Mos-Bite Insurance

Mos-Bite Insurance

Mos-Bite Insurance plan is a unique policy that safeguards the insured person from vector-borne diseases as it pays a lump sum amount on the diagnosis of such diseases and if the insured person gets hospitalized for a continuous period of 48 hours due to any of the following seven diseases – 1) Dengue fever 2) Malaria 3) Lymphatic Filariasis 4) Kala-azar 5) Chikungunya 6) Japanese Encephalitis 7) Zika Virus.

Policy-seekers can avail themselves of this insurance plan at an affordable premium. As per the data of the World Health Organization (WHO), more than 40000 people die every year due to vector-borne diseases. Different viruses, bacteria, and parasites are the reasons for vector-borne diseases that are mainly spread by mosquitoes.

Coverage under Mos-Bite Insurance Policy

The Mos-Bite insurance helps us to stay protected against the expenses arising out of any vector-borne diseases. Let us have a look at the various benefits of this policy.

• Vector-borne Diseases – This policy covers a wide array of vector-borne diseases such as Dengue, Zike Virus, Chikungunya, Malaria, Lymphatic Filariasis, Kala-azar, and Japanese Encephalitis.

• Lump sum payment– The policy offers a lump sum amount if the insured person is diagnosed with any of the 7 vector-borne diseases and for that he/she needs hospitalization for more than 48 hours.

• No pre-policy check-up – To avail of this policy, no medical check-up is required prior to the inception of the policy.

• Wide Protection – Under this plan, you can also cover the family members including spouses, children, brothers, sisters, parents, and parents-in-law.

Mos-Bite Insurance plan available in India

What’s not covered under the Mos-Bite Insurance Plan?

There are certain things and conditions that are not covered under a Mos-bite insurance plan. Such mentions are as follows.

• Non-authorized medical practitioner – If any of the seven mentioned vector-borne diseases are diagnosed by a non-medical practitioner or an unauthorized or unregistered practitioner, that is not accepted by the policy.

• Self-medications – If the insured person takes medicines without the permission of an authorized medical practitioner and if any complications arising out of that, then it will fall under the exclusion category of the policy.

• Experimental treatment – Any kind of unproven or experimental treatment is not accepted by the policy.

• Already diagnosed claim – At the time of the purchase of the policy, if the insured was already diagnosed and had not fully recovered from any of the seven listed vector-borne diseases, any claim in that situation will not be accepted by the policy.

• Self-inflicted injury – Any self-inflicted injury, willful act of self-harm, suicide attempt will not be covered by the Mos-bite insurance plan.

• Negligence – Any claim where the insured person has delayed the medical treatments or has shown negligence, will not be accepted.

• Consequential loss – Any consequential loss or indirect loss or expenses arising out of or related to any insured event will not be covered.

Working on the Mos-Bite Insurance 

At first, you need to put your name and phone number on the official website of the plan to see the different prices of the policy. After that, fill in the form with required details such as the number of members to be insured, their details, sum insured and etc. after providing all the necessary details, click on the ‘Calculate Premium’ option. On the basis of your given data, the payable premium amount will be shown to you.

For better understanding, here is an example of how the Mos-bite plan works.

Mr. Bose, a 36 years old businessman, has bought IFFCO Tokio Mos-Bite Protector Policy for himself only. Let us find out how much premium he has to pay for different sum insured options.