Health Insurance for Malaria

  • Author :
  • TATA AIG Team
  • Published on :
  • 07/01/2022

Malaria is one of the deadliest diseases that have caused a large number of deaths around the World. According to the World Health Organization statistics, there were estimated cases of 290 million malaria-infected cases worldwide in the year 2019. The estimated number of malaria deaths stood at 409,000 in 2019.

According to the WHO, children under the age of 5 years are the most vulnerable group affected by the disease, in 2019 alone they have accounted for 67% of the malarial deaths worldwide. India is one of the countries where the spread of malaria would be on the higher side during rainy seasons as the temperature of the Indian subcontinent is very much suitable for the population of mosquitoes to grow and multiply.

Considering all these factors it is very much important for every person to have a health insurance policy that covers malaria-related treatments.

Causes of Malaria

Malaria is a disease caused by a parasite that is spread from mosquitoes to humans. Malaria is a life-threatening disease caused by parasites that are transformed from female anopheles’ mosquitoes to humans through a mosquito bite.

Malaria is a curable disease if treatment is given at the early stages. The disease is rapidly spread during rainy seasons and many places which have stagnant water can act as breeding grounds for Malaria.

There are 5 parasite species that cause malaria in humans and of those two species - P.falciparum and P.vivax pose the greatest risk to humans contracted with malaria.

Even though Malaria cannot be prevented completely, it is possible to get financial protection with the Medicare line of health insurance policies from Tata AIG.

Symptoms of Malaria

Below are the symptoms which can be seen in patients infected with Malaria. Once you notice the below symptoms it is advisable to get yourself tested for the illness and get admitted to a hospital using your health insurance policy which covers the treatment expenses related to Malaria:

  • Fever which increases with each passing day
  • Chills in the body
  • Over sweating
  • Frequent headaches
  • Nausea and vomiting
  • Abdominal pain
  • Diarrhoea
  • Muscle or joint pains
  • Rapid breathing and rapid heart rate
  • Cough
  • Few people who contracted malaria have experienced malaria “attacks”. These attacks usually start with shivering and chills, followed by high fever, sweating and return to normal temperature.

Malaria signs would be visible after a few weeks of a mosquito bite and it is important for the patient to be admitted to the cashless hospital with the best medical policy that covers malaria hospitalisation.

Transmission Cycle

There are 5 stages of transmission in which the Malaria parasite would be developed and transmitted; they are:

Uninfected mosquito- The first stage in the transmission cycle is when a mosquito feeds on to a person having malaria and becomes infected with the parasite. The parasite is now carried from humans to mosquitoes.

Transmission of parasite- The infected mosquito can now transmit the disease if it bites a healthy person. The malarial parasites are transferred from the mosquito to the human being who would develop into the disease requiring hospitalization. The hospitalization expenses can be covered under the Tata AIG health insurance policy.

Liver- The next stage is where the parasites enter the liver after entering into the body. The parasites can stay dormant in the liver for up to a year. A good health insurance policy at this stage can help you with your hospitalization requirements due to malaria. The parasites get matured in the liver and then proceed to the next stage.

Entering bloodstream- In the next stage, the parasites enter the bloodstream after maturity from the liver and infect the red blood cells. This is the stage where people develop malaria symptoms and require hospitalization at the earliest. If the patient is not hospitalized, it may lead to death. Cover your hospitalization expense against malaria with Tata AIG best medical policy.

Repeat- If an uninfected mosquito bites an infected person at this point, the parasite will enter the body of the mosquito and the same cycle would be repeated. The mosquito would become infected with the parasite and will act as an agent in transmitting the parasite from one person to another person.

Other modes

- The parasite can also be transmitted by other modes such as from mother to unborn child, through blood transfusions and by sharing needles that are used to inject drugs.

Preventive Measures Against Malaria

There are certain measures that are to be followed to prevent the spread of malaria that are mentioned below:

Preventing water stagnation- The main reason for the mosquito population to thrive and grow is to have places where the water is stagnant. Stagnant water acts as breeding grounds and houses the mosquitoes. It is important to clear the stagnant water in your areas or apply oil in the water which prevents the mosquitoes from multiplying in numbers.

Wearing proper clothes- It is important to cover yourself completely by wearing full-length shirts and trousers thereby making no room for the mosquito bite.

Health insurance policy- Having a health insurance policy that covers malaria-related hospitalization costs is the best preventive measure one can have. Malaria is a life-threatening disease that can be covered under the other critical illness insurance policies.

Apply repellent and sleep under the net- The best thing one can do to prevent mosquito bites is to apply mosquito repellent and sleet under the net. These preventive measures are to be followed to prevent the spread and contact with malaria disease.

Benefits of Health Insurance

There are certain benefits of health insurance policy which are mentioned below:

Covers hospitalization expenses- The major benefit of having a best medical policy is that the hospitalization costs due to malaria would be paid by the insurance company. The medical expense incurred due to hospitalization as a result of malaria is covered under your health insurance policy. It is important to have a critical illness cover to cover all the life threatening diseases including malaria.

Malaria covered in health insurance policy- A health insurance policy from Tata AIG ensures that you and your family members are covered against malaria-related hospitalization. The expenses incurred due to hospitalization for malaria-related diseases are covered under the Tata AIG health insurance policy.

To Sum it Up

Malaria is a life-threatening disease that can be transmitted from one person to another through female anopheles mosquito and if a person is infected with malaria, he/she requires immediate medical attention. The infected person should be admitted to a hospital and the treatment is to be done. Having a medical insurance policy from Tata AIG can cover your hospitalization expenses due to malaria and thereby preventing you facing financial crunch.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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