Mos Bite Protector Policy vs Personal Accident Plan Health Insurance Plan 2026 | PolicyX

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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 availing 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.

PLAN DETAILS

Mos Bite Protector Policy

Personal Accident Plan

Product Type Individual and Family Health Insurance Individual and Family Health Insurance
Key Features
(Key features of the plan)
  • Coverage for 7 diseases
  • Family coverage
  • Up to 1 lakh SI
  • Child Education
  • Funeral Expenses Cover
  • TTD/PTD Cover
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered Not Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
Not Covered Not Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not Covered Not Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
Not Covered Not Covered
Post-hospitalization
(Expenses after discharge from the hospital)
Not Covered Not Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Not Covered Not Covered
Hospital_network
(Number of Hospital Network in city)
8000 10000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Not Covered Not Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered Not Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
Not Covered Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not Covered Not Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Covered Not Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Not Covered Not Covered
Plan Entry Age 18 to 65 Years Adult Entry Age: Minimum: 18 years, Maximum: 65 years. For Dependent Children (Maximum 2): Minimum:
Plan Premium Entry Age and S/A 44 -
Plan Waiting Period 30 No Waiting Period
Plan Coverage Dengue fever coverage, Malaria coverage, Chikungunya coverage, Zika virus coverage -
Plan Sample Premium 44 -
Plan Brochure Brochure URL Brochure URL
Policy Term 1/2/3 Years 1/2/3 Years
ICU Charges Not Covered Not Covered
Covid-19 Treatment Covered Not Covered
Cataract Covered Not Covered
Automatic Restoration Not Covered Not Covered
Ayush Treatment Not Covered Not Covered
Modern Treatment Not Covered Not Covered
E Consultation Not Covered Not Covered
Air Ambulance Not Covered Not Covered
Global Coverage Not Covered Not Covered
Claim Ratio 95.82 94.4
Solvency Ratio 1.85 3.03
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