Insurance Plans September 28, 2020

Iffco Tokio Mos Bite Protector Policy

It is really important for every individual to protect himself from any kind of disease and most of the individuals don’t know that there is an insurance plan that covers the vector-borne disease. A vector-borne disease is an infection transferred to humans through mosquitoes, ticks, and fleas. So here is an insurance plan for you that covers the risk of a vector-borne disease known as Iffco Tokio Mos Bite Protector Policy. You can take a sum assured of up to Rs.1 Lac in this insurance plan. There are various vector-borne diseases that are covered in this policy. So, let’s explore all the key features of this plan and see the risks that are covered in it.

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Features of Mos Bite Protector Plan

  1. Flexibility of Choosing the Sum Assured in the multiples of Rs.5000 of up to Rs.1 Lac.
  2. There is no need for any medical test to take this insurance plan.
  3. 7 Different Vector Diseases are covered in this plan.
  4. 18 Years is the Minimum Age of Entry in this Insurance plan.
  5. 65 Years is the Maximum Age of Entry in this Insurance plan.
  6. You are allowed to cover Family Members as well to this insurance plan.

Diseases Covered in Mos Bite Protector

There are seven vector-borne diseases that are covered in this plan. These diseases can be life-threatening if the treatment is not done on time. So, you must see those diseases whose treatments are covered in this policy.

  1. Dengue Fever
  2. Malaria
  3. Lymphatic Filariasis
  4. Kala-Azar
  5. Chikungunya
  6. Japanese Encephalitis
  7. Zika Virus

Benefits of Mos Bite Plan

There are some exciting benefits to this plan and you must explore all of them. See all the expenses that will be reimbursed if in case you are hospitalized due to vector-borne disease.

Receive Full Sum Assured

If in case the insured is hospitalized for more than 48 hours due to a vector-borne disease then the company will pay the full Sum Assured to him. You can use the amount of the sum assured to fulfill your medical needs during hospitalization.

High Sum Assured

You can choose a Sum Assured of up to Rs.1 Lac at the time of inception of the policy. Make sure that the amount of the Sum Assured must be in the multiple of Rs.5000. If you are diagnosed with a vector-borne illness and hospitalized for more than 48 hours then the company will pay you the decided sum assured.

Age of Entry

The company allows you to take the Iffco Tokio Mos Bite Protector Policy at the age of just 18 years. On the other hand, you will get a cover for the vector-borne disease up to the age of 65 years. The maximum age of entry in this insurance policy is 65 years.

Cover Dependent Children

You are allowed to cover your dependent child as well in this insurance plan. The minimum age of entry for a dependent child is just 91 days. You can add a dependent child up to the age of 23 years to this health insurance plan.

Cover Family Members

You can add your family members as well to this insurance plan. The insurance plan will be the same but more members will be covered. The family members you can add to this plan are as follows:-

  1. Spouse
  2. Children
  3. Brothers
  4. Sisters
  5. Parents
  6. Parent-in-law

No Medical Test is Needed

There is no need for any medical test to take this insurance plan. You can ask the company for this plan online and the company will issue this plan without undergoing any medical test.

Exclusions of the Iffco Tokio Mos Bite Protector Policy

There are some exclusions to this plan that you must see before buying it. The exclusions of this plan are given below:-

  1. No claim will be passed if the insured has not fully recovered from any mentioned vector-borne illnesses while he was taking the plan.
  2. If you are diagnosed with a vector-borne illness from an uncertified Medical Practitioner, or Practicing Outside Discipline then no claim will be given to the insured.
  3. Any claim where the insured has delayed the medical treatment wilfully Injury, disease, or damage due to willful act including attempting suicide or intentional self-injury, self-exposure to needless peril will not be covered
  4. Any consequential or indirect loss or expenses arising out of or related to any insured event.

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