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

IFFCO Tokio Health Insurance

IFFCO Tokio's MOS-Bite Protector Policy offers a lump sum payment for ...Read More

Up to 1 Crore
Sum insured
63+
Pan India presence
95.82%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,699 reviews
🏥 8,000+ hospitals
📊 1.85 solvency ratio
95.82% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 11 Oct 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

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

IFFCO TOKIO MOS-Bite Protector Policy assures you of quality treatment. As medical costs for such diseases are consistently rising, a specific insurance plan that caters to these 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 for 48 hours or more.

The MOS-Bite Protector Policy can be purchased as a family plan as well. Spouses, children, siblings, parents, and parents-in-law can be included in the plan:

  • Spouses
  • Children
  • Siblings
  • Parents
  • Parents-in-law

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.

Exclusions

Permanent diseases or health conditions that are not included under the IFFCO Tokio MOS-Bite Protector Plan are:

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • HIV/AIDS
  • Miscarriage and abortion
  • Congenital diseases
  • Infertility and in vitro fertilization

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 have calculated the premium amount for different Sum Insured options. 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

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

  • Lump sum Sum Insured up to 1 Lakh
  • Dengue coverage
  • Malaria coverage

Cons

  • Adventure sports injuries
  • Illegal activities
  • Self-inflicted injuries

What's covered

A quick look at what this plan covers — and what it doesn't.

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

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.

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum entry age: 18 years Maximum entry age: 65 years Sum Insured: Up to 1 Lakh Initial waiting period: 30 days

Conclusion

Affordable fixed-benefit policy useful for mosquito-borne disease protection.

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