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mos bite insurance

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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, 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

Plan name Company name Plan type Entry age Sum insured Policy period
MOS-BITE Protector Policy IFFCO Tokio General Insurance Mos-Bite Insurance Adults: Minimum – 18 years Maximum – 65 years   Children: Minimum – 91 days Maximum – 23 years Up to Rs. 1 lakhs (in multiples of Rs. 5000) 1, 2, 3 years

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 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.

AgeGenderPolicy typeSum insuredPremium amount (without GST)
36MaleselfRs. 45,000Rs. 374.3
Rs. 50,000Rs. 416.1
Rs. 55,000Rs. 457.9
Rs. 60,000Rs. 499.7

How to Get of a Mos-Bite Insurance Policy?

To avail of a Mos-bite insurance plan, you can opt for both the offline and online methods according to your convenience.

Online Process:

If you are comfortable with the online process, you can easily buy the policy from Probus Insurance. For that, follow the below-mentioned steps.

  • Go to the official website of Probus Insurance and under the ‘Products’ tab go for the Miscellaneous Insurance category.

  • Select the ‘Mos-Bite’ option.

  • Put the necessary information such as the proposer’s gender and pin code and click on the ‘Continue’ tab.

  • In the next form provide the required details and click on the ‘Get Plan’ option.

  • The available plan(s) will be reflected on the screen.

  • Select the convenient one and pay the premium.

  • Upon successful payment, the policy document will be sent to your registered email ID or mobile number.

Offline Process:

If you want to buy a Mos-bite insurance policy offline, you can visit the nearest branch of the desired company and their experts will guide you through the process seamlessly. You can also contact one of the registered and licensed agents of the company and they will help you out with the buying process. Apart from these, you can also call on the contact number of the company to get assistance for the buying process of the Mos-bite insurance plan.

What’s the claim process for the Mos-Bite Insurance Plan?

You can avail of both the cashless and reimbursement claim settlement procedures for the Mos-bite insurance policy.

Cashless Procedure:

To avail of a hazardless cashless claim process, you can follow the below-mentioned general steps.

  • To avail of the cashless facility, you need to get admitted to a network hospital of the company.

  • For emergency hospitalization, intimate the insurer as soon as the occurrence of an incident. For planned hospitalization, inform the insurer about the same at least 3 days prior to the hospitalization.

  • Submit the duly filled and signed pre-authorization form to the hospital’s insurance or TPA desk to initiate the claim request.

  • The company will assess and evaluate your claim request. If no discrepancy is found, the claim amount will be settled. For a cashless facility, the claim amount will be settled with the hospital directly.

  • If your cashless claim is not approved, you can also apply for the reimbursement claim process after the discharge from the hospital.

Reimbursement Procedure:

Follow the below-mentioned general steps for reimbursement claim settlement.

  • For reimbursement claim settlement, you can get the medical treatments in a non-network hospital of your choice.

  • For emergency hospitalization, intimate the insurer as soon as the occurrence of an incident. For planned hospitalization, inform the insurer about the same at least 3 days prior to the hospitalization.

  • Submit the duly filled and signed claim form along with all the required documents such as doctor’s reports, pharmacy bills, diagnostic reports, hospital bills and etc. after the discharge from the hospital.

  • Do not produce any misleading information and cooperate with the insurer.

  • After the evaluation on the behalf of the company, if no disparity is found, the claim will be approved. And, the claim amount will be sent to your registered bank account.

Important Link: Dengue Insurance

Frequently Asked Questions

1. After purchasing it, can I cancel the Mos-bite insurance policy?

Yes, you can. For that, you need to send a written notice to the company. Then, the company will allow you to cancel the policy after deducting a certain amount on the basis of your chosen plan.

2. How can I renew my Mos-bite plan?

You can renew your plan very easily online. For that, you have to go to the official website of the company and then click on the ‘Renew’ option. Select your plan and fill in the form with required details such as policy number, your name, etc. and submit. The renewal amount will be shown to you. Pay the amount and after successful payment, the documents will be sent to you.

3. If the treatment is available in a foreign land, will it be covered by a Mos-bite insurance plan?

No, only treatments taken in India will be covered.

4. Can I avail of any tax benefit on the Mos-bite insurance policy?

Yes, you are eligible to enjoy the tax exemption benefit on this policy.

5. How many times can I file the claim?

You can file the claim under your Mos-bite insurance policy as many times as you want, but that should not exceed the amount of your sum insured.

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