IFFCO Tokio MOS-Bite Protector Health Insurance Plan

The MOS-Bite Protector Policy is a unique benefit plan that provides lump-sum payments to policyholders in the event of hospitalization due to any of the seven specified vector-borne diseases. These diseases include dengue fever, malaria, lymphatic filariasis, kala-azar, chikungunya, Japanese encephalitis, and Zika virus. This policy is available to individuals aged between 18 and 65, and dependent children aged 91 days to 23 years, with sum insured options ranging from Rs. 5,000 to Rs. 1 lakh. Family members such as spouses, siblings, parents, and parents-in-law can also be covered for 1, 2, or 3 years without the need for a pre-medical test.

The IFFCO Tokio MOS-Bite Protector Health Insurance Policy serves as a crucial financial safeguard against seven specified vector-borne diseases. This unique benefit plan provides a lump-sum payout in the event of a 48-hour hospitalization due to diseases like dengue, malaria, and chikungunya. With sum insured options from Rs. 5,000 to Rs. 1 lakh, individuals aged 18-65 and dependent children can avail coverage. The policy addresses the pressing health concern of vector-borne diseases, offering proactive financial assistance during critical health situations.

The IFFCO Tokio MOS-Bite Protector Health Insurance Policy is available for individuals aged between 18 and 65 years. Additionally, dependent children aged between 91 days and 23 years can be covered under the policy. It extends coverage to family members, including spouses, siblings, parents, and parents-in-law.

• Disease Coverage: The policy covers hospitalization expenses for 48 hours due to seven specified vector-borne diseases, including dengue, malaria, chikungunya, and more.
• Sum Insured Options: The policy offers a variety of sum insured options ranging from Rs. 5,000 to Rs. 1 lakh.
• Age Eligibility: Individuals aged between 18 and 65 years can avail of the coverage, along with dependent children aged between 91 days to 23 years.
• Family Inclusion: The policy extends coverage to family members, including spouses, siblings, parents, and parents-in-law.
• Policy Duration: Flexible policy durations of 1 year, 2 years, or 3 years are available.
• No Pre-Medical Test: The policy does not require any pre-medical test for eligibility.
• Lump Sum Payout: The policy provides a lump-sum payout upon diagnosis or continuous hospitalization for 48 hours.

Please note the following information about the Future Generali Vector Care Plan:

Lump-sum Payout

The policy provides a lump-sum payout in the event of a 48-hour hospitalization due to any of the seven specified vector-borne diseases.

Disease Coverage

Offers coverage for diseases such as dengue fever, malaria, lymphatic filariasis, kala-azar, chikungunya, Japanese encephalitis, and Zika virus.

Sum Insured Options

Flexibility in choosing sum insured options ranging from Rs. 5,000 to Rs. 1 lakh, allowing customization based on budget and requirements.

Age Inclusivity

Individuals aged between 18 and 65 years are eligible, along with dependent children aged 91 days to 23 years.

Family Inclusion

Coverage extends to family members, including spouses, siblings, parents, and parents-in-law.

Policy Duration

Options for policy durations of 1 year, 2 years, or 3 years provide flexibility to policyholders.

No Pre-Medical Test

The policy does not require a pre-medical test for coverage, simplifying the application process.

The MOS-Bite Protector Policy covers hospitalization for 48 hours due to seven specified vector-borne diseases, including dengue fever, malaria, lymphatic filariasis, kala-azar, chikungunya, Japanese encephalitis, and Zika virus. It provides a lump-sum benefit upon diagnosis. Sum insured options range from Rs. 5,000 to Rs. 1 lakh. The policy is available for adults aged between 18 and 65 years, with flexible terms of 1, 2, or 3 years.

The MOS-Bite Protector Policy does not cover:

• Outpatient Treatment: Any treatment taken on an outpatient basis is not covered.
• Rest Cure or Respite Care: Hospitalization for rest cure or respite care is excluded.
• International Hospitalization: Claims related to hospitalization outside the Republic of India are not covered.
• Unproven or Experimental Treatment: Any treatment considered unproven or experimental is excluded.
• Pre-Existing Vector-Borne Diseases: Diseases diagnosed before policy purchase are not covered under the policy.

• Comprehensive Coverage: Provides coverage for seven specified vector-borne diseases, including dengue, malaria, and chikungunya.
• Lump-Sum Benefit: Offers a lump-sum payout upon diagnosis or 48-hour hospitalization for covered diseases.
• Flexible Sum Insured: Options ranging from Rs. 5,000 to Rs. 1 lakh for tailored coverage.
• Age Inclusive: Available for adults aged 18 to 65 years, extending coverage to dependent children.

To Buy IFFCO Tokio MOS-Bite Protector Plan Online follow these simple steps:

• Visit the official website of IFFCO Tokio.
• Navigate to the health insurance section.
• Select the MOS-Bite Protector Health Insurance Plan.
• Provide the required information in the online application.
• Choose coverage and sum insured based on your preferences.
• Review the terms and conditions of the policy.
• Use the available premium calculator tools to estimate the premium.
• Submit the online application form.
• Make the payment for the selected plan.
• Receive the policy documents via email after successful payment.

IFFCO Tokio MOS-Bite Protector Policy can be renewed by following these simple steps:

• Visit the official website of IFFCO TOKIO Health Insurance.
• Navigate to the Renewal or Renew Health Insurance section.
• Enter policy details, including policy number and expiry date.
• Review existing policy information for accuracy.
• Update personal or contact information if necessary.
• Utilize premium calculation tools to estimate the renewal premium.
• Make the renewal payment through the available options on the website.
• Receive confirmation of the renewal.
• Policy documents and details will be sent via email or can be downloaded from the online portal.

The claim process for Bajaj Allianz M-Care Health Insurance policy is thankfully fairly simple and intuitive.

Online Process

• Visit Probus Insurance’s official website
• Choose 'Mos-Bite' and input the requested details.
• Fill the required details in the form and click 'Get Plan'.
• Select a plan, pay the premium online, and receive the policy document via email or SMS.

Offline Process

• Visit the nearest company branch or contact a registered agent for guidance.
• Alternatively, call the company's contact number for assistance with the offline buying process.

Cashless Procedure

• Get admitted to a network hospital; inform the insurer for emergency/planned hospitalization.
• Submit a filled pre-authorization form to the hospital's desk for claim initiation.
• The company assesses the claim; for cashless, the settled amount goes directly to the hospital.
• If cashless is not approved, apply for reimbursement after hospital discharge.

Reimbursement Procedure

• Get treated in a non-network hospital; inform the insurer for emergency/planned hospitalization.
• Submit a filled claim form with required documents after hospital discharge.
• Co-operate with the insurer's evaluation; approved claims have the amount sent to the registered bank account.

The Mos-Bite Insurance Plan from Probus Insurance offers a seamless online and offline purchase process. With user-friendly steps, it ensures accessibility for policyholders. The versatile cashless and reimbursement claim settlement options provide flexibility and support during medical emergencies, solidifying its position as a comprehensive and customer-centric insurance solution.