IFFCO Tokio MOS-Bite Protector Policy: Benefits, Premium, Coverage, Renewal Online
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IFFCO Tokio Health Insurance IFFCO Tokio Health Insurance ★ 4.4

IFFCO TOKIO MOS-Bite Protector Policy

It is a benefit health plan offering wide coverage against vector-born ...Read More

Up to 1 Crore
Sum insured
1
No. of plans
63+
Pan India presence
95.82%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 8,000+ hospitals
📊 1.85 solvency ratio
✅ 95.82% claim settlement

About IFFCO TOKIO MOS-Bite Protector Policy

A quick read on what this IFFCO Tokio Health Insurance plan covers and why it might be a fit for you.

IFFCO TOKIO Mos Bite Protector Policy provides a lump sum amount on the diagnosis of the vector-borne diseases covered by the policy. Mos bite protector policy safeguards you from Vector-borne diseases such as Malaria, Dengue, Chikungunya, and Zika virus which has affected a large number of people in India.

IFFCO TOKIO Mos bite protector policy assures you of availing quality treatment as medical costs are consistently rising for treatment of such diseases, the need for a specific insurance plan that caters to such ailments is important.

This is where IFFCO Tokio’s MOS-BITE Protector Policy comes into view. Iffco Tokio's mos-bite protector policy covers seven commonly occurring vector-borne diseases. The policyholder receives the lump sum payment once they have been hospitalized for mosquito-borne diseases and other ailments for 48 hours or more.

The MOS-BITE Protector Policy can be purchased as a family plan as well. Spouses, children, brothers, sisters, parents, and parents-in-law can be included in the plan.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹15 L, ₹25 L, ₹50 L, ₹1 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1/2/3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Lumpsum SI up to 1 Lakh
  • Dengue Cover
  • Malaria Cover

Cons

  • Adventure Sports injury
  • illegal activities
  • self-inflicted injuries

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

IFFCO Tokio Health Insurance

IFFCO Tokio Health Insurance

This video explains IFFCO Tokio Health Insurance in detail.

IFFCO Tokio Health Insurance Network Hospital List

IFFCO Tokio Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, IFFCO Tokio Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

IFFCO TOKIO Mos-bite Protector Sample Premium

For a better understanding of how much premium you need to pay under the IFFCO TOKIO Mos-bite Protector, we at PolicyX.com have calculated the premium amount for different sum insured options based on different family sizes. Refer to the table below:

For 1 Year

Sum Insured (Rs.) 5 k 30 k 45 k 50 k 1 L
Premium Payable 44 263 394 438 876

For 2 Years

Sum Insured (Rs.) 5 k 30 k 45 k 50 k 1 L
Premium Payable 85 508 761 845 1,691

For 3 Years

Sum Insured (Rs.) 5 k 30 k 45 k 50 k 1 L
Premium Payable 123 736 1,102 1,224 2,449

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under Iffco Tokio MOS-bite Protector Plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage, and abortion
  • Congenital disease
  • Infertility and in vitro fertilization

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: - 18 Years
  • Max entry age: - 65 Years
  • Sum Insured: - Up to 1 L
  • Initial Waiting Period: - 30 Days

Other features & benefits

  • High sum insured
  • Covers entire family
  • Zika Virus Cover

Conclusion

Affordable fixed-benefit policy useful for mosquito-borne disease protection but not a substitute fo

Explore IFFCO Tokio Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 11 Oct 2024

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