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Best Health Insurance Plan in India Against Malaria

Over the past few years, vector-borne diseases like dengue and malaria are spreading like wild forest fires. Malaria is transmitted through mosquitoes and affects a plethora of people in India, especially in rural areas where the treatment facility is not adequate. Several statistics have claimed that India has the 4th highest number of malaria cases in the world. The treatment of malaria is quite expensive as patients need to take several medications. For senior citizens, this disease may affect their vital organs. These people may need hospitalization to avoid untoward complications and better treatment.

Best Health Insurance Plan in India Against Malaria

To cope up with the rise of the treatment costs, many health insurance companies are offering intriguing and relevant health insurance products that will bear all the treatment costs of these vector-borne diseases. Popular insurers in India have introduced specific health insurance plans that will offer assistance to people who are suffering from vector-borne diseases like dengue, malaria, etc.

Malaria Treatment and Costs

Malaria treatment is a lengthy and extensive process. The doctors need to identify the parasite within your body, and then, they will give medications accordingly. If your symptoms are too severe, then you may get hospitalization.

Do you need a separate policy for malaria or dengue

Doctors commonly use artemisinin-based combination therapy (ACT) along with a supplementary drug to treat patients suffering from this disease.

The Best Health Insurance Plans for Malaria:

Let us now have a look at some of the Best Health Insurance Plans for Malaria offered by the best insurance companies:

1. HDFC ERGO Health Insurance Plan

HDFC ERGO is an eminent health insurance company in India that offers several medical plans to cater to their requirements. The company offers various plans like Critical Illness Policy, Health Suraksha Policy, etc. The company will offer a lump sum payout to the insured policyholder if he/she needs hospitalization due to dengue, malaria, kala-azar, zika virus, chikungunya, and other vector-borne diseases. The insurer embraces its customers with a chunk of health insurance plans that offer comprehensive coverage, including dengue and malaria.

Some of its key features are:

  • No. of Members: This policy is available for both an individual and a family floater policy.
  • Lifelong Renewal: This policy comes with a lifelong renewability feature. Thus, it saves your money due to a healthcare emergency. Now, with the help of this policy, you can stay well-protected against various diseases.
  • No Sub-Limits on Room Rents: There is a cap for hospital room rent for most policies. Sometimes, you need to pay a hefty amount from your pockets. HDFC ERGO offers no restrictions or sub-limits on the room rent.
  • Wide Options of Sum Insured: The insurance provider offers variable sum insured to its customers. Based on an individual’s requirements, a customer can choose the sum insured amount. For each claim-free year, it offers a 5% bonus to policyholders.
  • Pre and Post-Hospitalization Cover: Health Insurance plans offer coverage for 60 days before hospitalization and 90 days after hospitalization.
  • Health check-ups: After the completion of certain years of your health insurance policy, the company reimburses healthcare check-up expenses.


A comprehensive health insurance policy will offer you coverage for diseases like malaria and dengue. Some insurers have specifically designed a policy that will bear your treatment costs once you are diagnosed with these vector-borne diseases.

2. M-Care Health by Bajaj Allianz

This policy doesn’t just offer health insurance for malaria but for all vector-borne diseases including Dengue Fever, Chikungunya, Filariasis, Kala Azar, Japanese Encephalitis, Filariasis, and Zika Virus

Some of its prominent features are:

  • Variable Sum Insured: The range of the sum insured is between Rs 10,000 and Rs 75,000.
  • No. of Members: This floater policy offers coverage for the proposer’s family, including his or her spouse, children, and parents
  •  Pre and Post-Hospitalization Cover: This plan covers medical expenses for 60 days before hospitalization and 90 days after hospitalization. For malaria and dengue, the policy offers costs incurred 15 days before/during hospitalization
  • Treatment Costs: The policy covers treatment costs including ICU fees, room rent, doctor fees, blood transfusions, and so on
  • Filariasis Therapy: This policy plan offers coverage for Filariasis therapy once in a lifetime
  • Waiting Period: A 60-day waiting period is mandatory for this policy


3. Future Vector Care by Future Generali

This family insurance plan is one of the Best Health Insurance Plans for Malaria offers you a lump sum amount if you are diagnosed with not just Malaria but any vector-borne diseases such as:

  • Dengue Fever
  • Chikungunya (chicken pox)
  • Kala-azar
  • Japanese Encephalitis
  • Filariasis in the Lymphatic System
  • Zika Virus

Some of its features are:

  • No. of Members: This policy offers coverage for yourself, your spouse, two dependent parents, and up to three dependent children (less than 25 years old)
  • Sum Insured: The sum insured options are Rs.10, 000, Rs.25, 000, Rs.50, 000, and Rs.75, 000, respectively.
  • No pre-medical screening: No pre-medical screening is required until you purchase a policy
  • Waiting Period: A 15-day waiting period is needed
  • Policy term: Policy terms range from one to three years
  • Lifelong Renewal: This policy comes with a lifelong renewability option. If you purchase a long-term plan, you get a 7.5 percent discount on the premium.
  • Cashless treatment: The plan offers a cashless treatment facility at network hospitals

Do you need a separate policy for malaria or dengue?

Nowadays, many health insurers are offering specific insurance plans for vector-borne diseases. But do you need this type of plan? The experts recommend purchasing regular health insurance plans if they include such diseases. If your health insurance plans offer coverage for diseases like malaria and dengue, then you don’t need to worry. But if you think your present health policy is inadequate, then by opting for special health insurance for malaria and dengue, you can strengthen your regular health plan. This add-on cover will not only take care of malaria or dengue but also cover other healthcare emergencies.

Malaria Treatment and Costs

Through these disease-specific insurance plans, like health insurance for malaria, you can easily lessen your financial burden if you are diagnosed with vector-borne diseases. Although they can’t replace your regular policy, these plans will act as add-on covers. If your regular plan doesn’t cover these diseases, then you can purchase a separate add-on cover to enhance your and your family’s protection against these vector-borne diseases.

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