Best Health Insurance for Malaria

What is Malaria?

Malaria is a vector-borne disease caused by parasites transmitted through the bite of an infected Anopheles mosquito. Although the disease is curable, it can lead to jaundice and anaemia. In severe cases, malaria can cause severe health conditions like coma, brain damage, seizure, organ failure, trouble breathing and ultimately, death.

The symptoms of malaria usually appear 10 days to a month after a person is infected with malaria. However, some types of malaria parasites can stay inactive in the human body for almost a year.

Symptoms of Malaria

Check out the most common symptoms of malaria:

Fever
Body chills
Headache
Fatigue
Nausea
Vomiting
Muscle or joint pain
Breathing issues
Coughing
Diarrhoea
Chest pain
Feeling of discomfort
Abdominal pain
Rapid heart rate

Benefits of Buying Health Insurance for Malaria

Here are the key benefits of buying a health insurance policy for malaria:

High Prevalence of Malaria

Malaria is quite common in India, especially during the monsoon season. As per the World Health Organization (WHO), India accounts for 66% of the total malaria cases in South East Asia. Moreover, the World Malaria Report confirms 33.8 lakh cases and 5,511 deaths from malaria in India in 2022. Given these high numbers, protecting ourselves against the disease is essential not just physically but also financially. Buying vector-borne diseases insurance can help to stay financially protected against any medical emergencies resulting from malaria.
Costly Medical Bills

Usually, recovery from malaria takes about two weeks with medication and a couple of doctor visits. However, severe cases of malaria can lead to hospitalization and even ICU admission. Considering the rising cost of medical treatments in India, staying in a hospital for a few days can quickly churn up a hefty hospital bill that can deplete their savings substantially. But with a mediclaim insurance policy, people can claim the hospital bill from their insurance company, eliminating any financial burden.

List of Right Health Insurance for Malaria in India

Take a look at the ideal health insurance for malaria in India:

Health Insurance for Malaria Plans	Entry Age	Sum Insured (₹)	Pre-policy Medical Check-ups
Aditya Birla Activ Health Plan	Adult - 18 years onwards (depending on the variant) Child - 91 days to 25 years	2 lakh to 2 crore	May be required
Bajaj Allianz M-Care Plan	Adult - 18 to 65 years Child - 1 day onwards	10,000 to 75,000	-
Care Health Insurance Plan	Adult - 18 years onwards Child - 91 days onwards	1 lakh to 6 crore	Required
Cholamandalam Flexi Health Supreme Plan	Adult - 18 to 75 years Child - 90 days to 26 years	50,000 to 25 lakh	May be required
Digit Health Care Plus Plan	Adult - 18 years onwards Child - 91 days onwards	10,000 onwards	May be required
Future Generali Health Absolute Plan	Adult - 18 years onwards Child - 1 day to 25 years	3 lakh to 1 crore	May be required
HDFC ERGO Maxima Insurance Plan	Adult - 18 years onwards Child - 91 days to 21 years	3 lakh	May be required
ICICI Lombard Mashak (Mosquito) Rakshak Plan	Adult - 18 to 65 years Child - 1 day to 25 years	10,000 to 2 lakh	Not required
IFFCO Tokio Family Health Protector Plan	Adult - 18 to 65 years Child - 1 day onwards	1.5 lakh to 30 lakh	Not required for up to 45 years
Liberty Health Connect Plan	Adult - 18 to 65 years Child - 91 days to 25 years	2 lakh to 40 lakh	Not required for up to 55 years
Magma HDI OneHealth Insurance Plan	Adult - 18 years onwards Child - 91 days to 25 years	2 lakh to 3 crore	-
ManipalCigna ProHealth Prime Plan	Adult - 18 years onwards Child - 91 days to 25 years	3 lakh to 1 crore	Not required up to 45 years
National Parivar Mediclaim Plus Plan	Adult - 18 to 65 years Child - 90 days to 18 years	6 lakh to 50 lakh	May be required
New India Assurance Premier Mediclaim Plan	Adult - 18 to 65 years Child - 90 days to 25 years	15 lakh to 1 crore	Not required for up to 50 years
Niva Bupa Heartbeat Plan	Adult - 18 to 65 years Child - 91 days to 21 years	1 lakh to 1 crore	-
Oriental Happy Family Floater Plan	Adult - 18 to 65 years Child - 91 days to 18 years	1 lakh to 50 lakh	Not required for up to 55 years
Raheja Health QuBE Plan	Adult - 18 to 65 years Child - 90 days to 25 years	1 lakh to 50 lakh	May be required
Reliance Health Infinity Insurance Plan	Adult - 18 to 65 years Child - 91 days to 25 years	3 lakh to 5 crore	May be required
Royal Sundaram Lifeline Plan	Adult - 18 years onwards Child - 91 days to 25 years	2 lakh to 1.5 crore	May be required
SBI Health Edge Plan	Adult - 18 to 65 years Child - 91 days to 30 years	3 lakh to 25 lakh	Not required for up to 55 years
Star Comprehensive Insurance Plan	Adult - 18 to 65 years Child - 91 days to 25 years	5 lakh to 1 crore	Not required
Tata AIG MediCare Premier Plan	Adult - 18 years onwards Child - 91 days to 25 years	5 lakh to 3 crore	May be required
United Family Medicare Plan	Adult - 18 to 65 years Child - 91 days to 26 years	3 lakh to 25 lakh	-
Universal Sompo Complete Health Insurance Plan	Adult - 18 to 75 years Child - 91 days to 25 years	1 lakh to 50 lakh	May be required
Zuno Health Insurance Plan	Adult - 18 years onwards Child - 90 days to 26 years	1 lakh to 1 crore	May be required
Zurich Kotak (formerly known as Kotak Mahindra) Health Premier Plan	Adult - 18 to 65 years Child - 91 days to 25 years	2 lakh to 2 crore	May be required

See More Plans

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

Inclusions of Health Insurance for Malaria

The following coverage are included under health insurance for malaria:

In-patient hospitalization
OPD treatment
Diagnostic tests cover
Pre-hospitalization expenses
Post-hospitalization expenses
Pharmacy expenses
Ambulance charges

Exclusions of Health Insurance for Malaria

Health insurance for malaria comes with the following exclusions:

Domiciliary hospitalization
Day care expenses
Unproven treatment
Treatments taken outside India
Medicines or treatments other than those required for malaria

Tips to Prevent the Risk of Malaria

Follow the tips given below to prevent the risk of malaria:

Apply mosquito repellent before going out of the house
Use mosquito nets at night to avoid a bite
Wear long sleeves clothes and pants to prevent a mosquito bite
Cover water containers to prevent mosquito breeding
Put nets or screens on the windows and doors of the house
Apply kerosene or vegetable oil to the surface of water to kill mosquito larvae
Fog your area at regular intervals, especially during the monsoon season
Prevent water from collecting in one place or containers

FAQs

Q1. Is malaria covered in health insurance?

Ans: Yes, all health insurance companies in India cover the treatment cost of malaria.
Q2. Does malaria insurance provide a lump sum benefit?

Ans: Customized vector-borne diseases insurance pays a lump sum benefit on the diagnosis of malaria. However, other health insurance plans for malaria reimburse the medical expenses incurred on the treatment of the disease.
Q3. What is vector-borne diseases insurance price?

Ans: Vector-borne diseases insurance price varies from one health plan to another. You can contact the insurance company or visit their website to know the policy price.
Q4. Where can I check health insurance for malaria cost?

Ans: You can check the cost of health insurance for malaria by going through the policy premium chart. You can also use a health insurance premium calculator on Policybazaar.com to know the estimated cost of the policy.

Health insurance companies

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in