Mosquito-Borne Disease Insurance

What is mosquito-borne disease insurance?

Mosquito borne disease insurance is one of the critical illness insurance types that provides coverage specifically for diseases transmitted by mosquitoes such as malaria, dengue fever, Zika, yellow fever, and chikungunya.

What are the benefits of mosquito-borne disease Insurance?

• Medical Coverage: The insurance typically covers medical expenses related to treatment, hospitalization and dengue fever medicine. This can include costs for doctor visits, laboratory tests, medications, and hospitalization costs.
• Peace of Mind: Having this insurance provides peace of mind knowing that if one does contract a mosquito-borne disease, they will have financial assistance to cover medical expenses and related costs.
• Travel Assistance: For travelers, mosquito-borne disease insurance can be very important if you travel to tropical areas. This insurance will provide support such as access to local healthcare facilities and coordination of medical care if you contract a mosquito-borne disease.
• Complementary Insurance: This insurance can complement existing health insurance by providing additional coverage for specific risks associated with mosquito-borne diseases, especially in high-risk areas.

What is the difference between mosquito-borne insurance and conventional health insurance?

Mosquito-borne disease insurance and conventional health insurance differ in several key ways, primarily related to their scope of coverage and specific provisions. Here are the main differences:

• Scope of Coverage: Mosquito-borne insurance specifically covers medical expenses for diseases transmitted by mosquito bites such as malaria disease, dengue fever, Zika virus, etc. Meanwhile, conventional health insurance provides coverage for various medical treatment costs, including hospital expenses, surgeries, doctor consultation costs for a wide range of illness, and injuries.
• Geographical: Mosquito-borne disease insurance often applies specifically to regions or countries where mosquito-borne diseases are prevalent or endemic. On the other hand, conventional health insurance provides coverage across a broader geographic area.
• Insurance Premiums: Because the mosquito-borne insurance provides specific coverage, this insurance tends to have cheaper premiums than conventional health insurance.
• Exclusions: Mosquito-borne disease insurance may have specific exclusions related to pre-existing conditions and certain diseases. On the other hand, conventional health insurance exclusions are generally broader and apply to a wide range of medical conditions, treatments, or procedures not covered under the policy.

Who should get this insurance?

• People living in or near areas with high mosquito activity and disease prevalence may benefit from this insurance, as they are at higher risk of exposure to mosquito bites.
• Travelers visiting regions where mosquito-borne diseases are common should consider this insurance to cover medical expenses and potential treatment costs if they contract dengue fever, malaria or another disease during their trip.
• People with weakened immune systems or underlying health conditions might be more susceptible to severe complications from mosquito-borne diseases and could consider this insurance coverage for added protection.
• Individuals whose jobs require them to spend significant time outdoors in mosquito-prone areas might need this insurance product.

Why should you have dengue fever insurance with Roojai?

• Comprehensive insurance coverage
  We offer comprehensive coverage for almost all types of mosquito-borne diseases, namely dengue fever, yellow fever, malaria, zika, and chikungunya disease.
• Cashless claims
  When you are diagnosed with a mosquito-borne disease, you can receive cashless treatment at our network of partner hospitals. Roojai will pay for your medical treatment directly to the hospital, so you don't have to file for a claim reimbursement.
• Fewer insurance exclusions
  We cover more conditions compared to other insurance companies.
• Network of partner hospitals
  Roojai has an hospital network with over 2,000 hospitals across Indonesia to simplify your claim process, so you don’t have to worry and can focus on recovery.
• Simple claim process
  Our customers can make a claim via phone or email. The required documents also only need to be sent via email, so the claim process is very simple, fast and paperless.
• 4.9/5 customer satisfaction
  Roojai customers receive the best customer service, as shared in our customer reviews.

What is not covered by the mosquito-borne disease policy?

Mosquito-borne disease insurance at Roojai has fewer exclusions compared to traditional insurance companies, including pre-existing conditions, congenital conditions, and disease arising from Acquired Immune Deficiency Syndrome (AIDS), the abuse or the consequences of the abuse of drugs, alcohol, or smoking. You can check the details of the exclusions in the terms and conditions.

How much does Roojai dengue fever insurance cost?

The cost of a dengue fever insurance policy depends on your profile and the coverage plan you choose. Roojai offers mosquito-borne disease insurance with affordable monthly premiums starting from IDR 20,000/month.

What payment methods are available?

Roojai offers a variety of advanced payment methods for your convenience. You can pay using the following payment options:

• Credit card
• Virtual account

You can also pay in 12-months instalments to manage your spending easier with a credit card or virtual account. For further information you can visit How to Pay.

Is there a waiting period for Dengue Fever Insurance?

Mosquito-borne disease insurance waiting period is only 30 days from the policy start date before your policy coverage will become active, because these diseases are sudden and often more unexpected than others. For more information, you can check the terms and conditions.

How long before I receive my insurance policy documents?

Immediately after your purchase. Roojai will send you an e-mail with the link to MyAccount where you can access your e-policy 24/7. If you choose the non e-policy option, we will send the documents to your address within 10 working days.

How to claim for my Insurance coverage?

To file an insurance claim, you can follow 4 easy steps below:

1. If you are feeling unwell and suspect that you may have a mosquito-borne illness, check the hospital network list on Roojai website to visit one of the hospitals.
2. Once you arrive at the hospital, register by showing your ID card and Roojai’s Care Card.
3. After being medically diagnosed with a mosquito-borne disease, simply sign off on any required hospital claim forms or documents and let the hospital staff take care of the rest.
4. The medical costs will be paid directly by insurance to the hospital.

How to renew my insurance Policy?

Close to your policy’s expiration date, we will send you an invitation email to renew your insurance policy. This email will contain the current coverage that will be renewed, the renewal price, and a payment button. If you want to renew your mosquito-borne insurance policy, you can just simply click the payment button and proceed to renew.

If you have any questions or need more information regarding the policy renewal process, you can contact our team at 021 5089 0822.

Tips on how to avoid dengue fever in Indonesia

Here are five tips to avoid dengue fever in Indonesia:

1. Remove Mosquito Breeding Sites: Dengue-carrying mosquitoes breed in stagnant water. Regularly inspect your surroundings for potential breeding grounds such as uncovered water containers, flower pots, and gutters. Empty or cover these areas to eliminate mosquito breeding sites.
2. Use Mosquito Repellent: Apply mosquito repellent such as oil of lemon eucalyptus on exposed skin when spending time outdoors, especially during dawn and dusk when mosquitoes are most active.
3. Wear Protective Clothing: To prevent mosquito bites during outdoor activity, you can wear long-sleeved shirts, long pants, socks, and closed-toe shoes to minimize exposed skin when outdoors.
4. Sleep Under Mosquito Nets: Use mosquito nets while sleeping, especially if you live in or are traveling to areas with a high prevalence of dengue fever. Ensure that the nets are properly tucked in and don't have any holes that mosquitoes can enter through.
5. Buy Medical Protection: If you live in a high risk of mosquito disease, you should consider having medical protection such as mosquito-borne disease from Roojai can help you cover medical expenses, so you don’t have to worry about the financial burden and focus on recovery.