Health Insurance 340 views September 16, 2021

With the recent increase in Zika Virus patients, people are inquiring whether health insurance plans cover hospitalization expenses incurred on the treatment of the same. The answer is YES!

All health insurance policies provide protection against this virus, which is a mosquito-borne disease and was first identified in 1947. People generally catch this disease through the bite of an aedes mosquito, which is also responsible for other diseases like Dengue, Chikungunya and Yellow Fever.

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Although all health insurance plans cover Zika Virus, there are some unique plans designed to cover the treatment expenses of Zika Virus and other vector-borne diseases. On this page, we will talk about these plans in detail so that you can make a better decision. Keep reading to know more.

Health Insurance Plans Covering Zika Virus and Other Vector-borne Diseases

You can choose from several health insurance plans uniquely designed to cover treatment expenses on mosquito-borne diseases. These plans are IFFCO Tokio Mos-Bite Protector Policy, Bajaj Allianz M-care Plan, Future Vector Care Plan and Coco Seasonal Byte Insurance Plan.

We have discussed the features and benefits of these plans sequentially. Please check.

IFFCO Tokio Mos-Bite Protector Policy

This policy from IFFCO Tokio covers expenses incurred on the treatment of Zika Virus and six other vector-borne diseases (Dengue fever, Malaria, Lymphatic Filariasis, Kala-azar, Chikungunya and Japanese Encephalitis). With this plan, you can get the following benefits.

  • Multiple Sum Insured Options
  • Multiple policy term options up to three years
  • Affordable premium starting from INR 44 per year
  • 10% discount on policy premium for IFFCO Tokio Employees
  • No need for a pre-medical screening

Sum Insured Options – INR 5,000 to 1 lakh (in multiples of 5,000)

Bajaj Allianz M-care Plan

Bajaj Allianz M-care Insurance Plan covers Zika Virus and provides individuals the following benefits.

  • Coverage against seven vector-borne diseases
  • Floater policy option (coverage for a maximum of 6 members)
  • Multiple sum insured options
  • Affordable premium starting from INR 160
  • Lifetime renewal facility
  • Online discount of 20% on premium
  • A 15-day free look period

Sum Insured Options – INR 10,000/ INR 15,000/ INR 25,000/ INR 50,000/ INR 75,000

Future Generali Vector Care Plan

If you want to protect yourself and your family against vector-borne diseases, Future Generali Vector Care Plan could be a suitable option. This plan offers a lump sum benefit to the insured person in case he/she is diagnosed or hospitalized due to a serious illness caused by mosquitoes. Let’s check out some of its key features.

  • 100% lump sum payment in case of hospitalization due to seven vector-borne diseases
  • No pre-insurance medical examination
  • Lifelong renewability option
  • Policy term options of 1, 2 or 3 years
  • Long-term premium discount up to 7.5% on upfront payment
  • A 15-day waiting period

Sum Insured Options – INR 10,000/ INR 25,000/ INR 50,000/ INR 75,000

Coco Seasonal Byte Insurance Plan

This COCO Seasonal Byte Plan provides coverage for Dengue Fever, Zika Fever, Chikungunya, Malaria, Leptospirosis, Swine Flu and Vector-Borne Encephalitis during the policy term. Check out some of the features of this plan mentioned below.

  • Flexible plan options – Indemnity and Fixed Benefit Plan
  • In-patient hospitalization cover
  • Pre and post-hospitalization cover for 15 days
  • AYUSH Cover
  • Road ambulance cover up to INR 2,000 per hospitalization
  • Home treatment cover up to 25% of the sum insured or INR 30,000
  • OPD treatment cover including AYUSH, up to 25% of the sum insured
  • Long-term policy discount up to 10% on premiums
  • Multiple policy term options up to three years

Sum Insured Options

For Indemnity Plan – INR 2,500/ INR 5,000/ INR 10,000/ INR 25,000/ INR 50,000/ INR 75,000/ INR 1 lakh/ INR 2 lakh

For Fixed Benefit Plan – INR 2,500/ INR 5,000/ INR 7,500/ INR 10,000

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