Monsoon Health Alert: What's Covered, What's Not In Vector-Borne Illness Insurance
Good health insurance becomes the need of the hour that thwarts individuals against falling into any untoward financial trap while dealing with these diseases.
Monsoon Health Alert: The rainy season in the Indian subcontinent which is also called 'Monsoon' not only brings relief from scorching heat to people, but also provides a suitable condition for the growth of mosquitoes and other insects. They are also the carriers of many vector-borne diseases, leading to a rise in diseases related to monsoon.
But beyond the physical discomfort, these illnesses come with a financial sting. Treatment costs in metro cities can run up to Rs 1 lakh, factoring in hospitalisation, diagnostic tests, and post-recovery care. 'These illnesses are not only physically taxing but can also be financially draining," says Siddharth Singhal, Head, Health Insurance at Policybazaar.com.
Thus, good health insurance becomes the need of the hour that thwarts individuals against falling into any untoward financial trap while dealing with these diseases.
The Hidden Cost Of Recovery
The typical recovery period for Dengue or Malaria ranges from 7 to 10 days, during which multiple consultations, lab tests, and follow-up medications are often required. While many health insurance plans cover hospitalisation, what often slips under the radar is the cost of outpatient care (OPD)—an expense that can quickly add up.
'This is where a comprehensive health insurance policy plays a vital role," Singhal explains. 'Including OPD cover ensures you're not caught off guard by routine but essential costs like doctor visits and diagnostics." With the right plan, patients can access quality care without worrying about out-of-pocket expenses every time they consult a doctor.
Designed either as a standalone option or an add-on to existing plans, the coverage isn't seasonal—it offers year-round protection, which is especially helpful since such diseases can occur even outside the monsoon months.
'This plan is ideal for those without existing health coverage or anyone looking to strengthen their current policy with focused, illness-specific protection," Gupta adds.
How Much Do Claims Usually Cost?
Claim sizes vary depending on the severity of the disease and the hospitalisation duration. 'The costs usually involve room charges, ICU stays, lab tests, and medication—these are often overlooked during financial planning," says a Policybazaar spokesperson.
In major cities, a hospital stay for Dengue or Malaria can cost anywhere between Rs 50,000 to Rs 1 lakh. Even a non-hospitalised case requiring frequent OPD visits and tests can end up being a costly affair.
First Published:
July 04, 2025, 06:30 IST
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