Future Vector Care

Vectors are the organisms that transmit pathogens (microorganisms that can cause disease) and parasites from one infected organism to another without falling ill themselves.

Vector-borne diseases are a group of globally distributed and rapidly spreading serious diseases that are caused by Vectors.

Some of the common Vector-borne diseases in India include Malaria, Dengue, Lymphatic Filariasis, Kala-azar, Japanese Encephalitis, Chikungunya, Zika Virus.

This health insurance product provide a lump sum benefit in case the insured is diagnosed with serious diseases caused by vectors.

Lump-sum payment of 100% will be made if the policyholder gets hospitalized for minimum 24 In-patient care consecutive hours due to any of the following conditions:

i. Malaria

ii. Dengue

iii. Lymphatic Filariasis

iv. Kala-azar

v. Japanese Encephalitis

vi. Chikungunya

vii. Zika Virus

An individual of age 18 years to 65 years can buy this policy without any medical tests on annual basis.

The Sum Insured options available under this product are ₹ 10000, ₹ 25000, ₹ 50000 and ₹ 75000

Yes, you can. Each member will be entitled for separate Sum Insured and premium will be charged for each member separately. For this purpose, Family shall include Self, Spouse, maximum up to 3 Dependent Children and 2 Dependent Parents.

Yes, there will be an initial waiting period of 15 days from commencement of policy. However this will be increased to 60 days in case the insured is suffering from any one of the listed conditions, except Lymphatic Filariasis at the time of taking the policy. Further, in case the insured is suffering from Lymphatic Filariasis, at the time of taking the policy, it will be excluded from the Policy.

No benefit will be paid under this plan in case of following:

• Any condition other than Malaria, Lymphatic Filariasis, Dengue Fever, Japanese Encephalitis, Kala Azar, Chikungunya or Zika virus as defined under this policy

• Any condition with respect to the covered benefits, for which the insured was diagnosed, and/or received medical advice/treatment within the waiting period

• Outpatient treatment

• Hospitalisation primarily for any purpose which routinely could have been treated on an out-patient basis and which is not followed by an active treatment or intervention during the period of hospitalization.

• Experimental or unproven procedures or treatments.

• Convalescence, rest cure, sanatorium treatment, rehabilitation measures, respite care, long term nursing care or custodial care and general debility or exhaustion.

No, cashless facility is not available in this product. Claims payment is only on reimbursement basis.

Premium is charged on the basis of Sum Insured opted.