Should I have a mosquito insurance plan if I already have regular health insurance?

Your regular indemnity-based health insurance plan can definitely aid you financially when you get diagnosed and hospitalized due to vector-borne disease. However, that aid will be limited to only hospitalization and similar expenses. During hospitalization due to mosquito borne diseases, one can lose out on several days of income. Plus, there is a high chance that the hospitalization expenses may run quite high, going overboard the sub-limits of your regular health plan. 

Additionally, there may be several expenses related to your household which can be a big drain on your savings if the hospitalization is stretched to a longer period. Such expenses and more can be covered by a vector-borne diseases health insurance plan. The payout received from the mosquito care plan or the Dengue insurance plan can be used for any purposes as the policyholder wishes.


What exactly are vector-borne diseases?

Diseases that are spread through the bites of vectors such as mosquitoes, fleas, ticks and so on are called vector-borne diseases. Tropical regions are more susceptible to the spread of such diseases as the climate serves as a sufficient breeding ground for vectors. That is also a reason why diseases such as Malaria and Dengue are so common across India. The Zika virus, too, has been spreading in India for the last few years.

Individuals living in such areas should take adequate protection against such diseases and also opt for a Dengue insurance plan or a Zika virus insurance plan to protect their finances and access the best quality treatment.


Who should buy the MOS-BITE Protector Policy?

Since India is a tropical country, it is important to take precautionary measures against vector-borne diseases. However, people specifically living in extremely tropical areas or those regions where monsoons are perennial are highly recommended to opt for the health insurance plan against vector-borne diseases.

What is the cancellation policy for the MOS-BITE Protector Policy?

The policyholder can cancel this policy by sending a 15-days’ notice period to the company. The company will then refund the money after retaining the premium based on the policy tenure.

What is the claim raising procedure for the MOS-BITE Protector Policy?

The policyholder can raise a claim via the online procedure, through a call, or by visiting a branch if possible. The claim can be raised only after the insured has been diagnosed with a covered vector-borne disease by a reliable medical authority and has been hospitalized for 48 hours or more. On verifying the claim and its consequent approval, the insured will receive a lump sum payout as per the sum insured they have chosen.

How many and what types of vector-borne diseases does the MOS-BITE Protector Policy covers?

The MOS-BITE Protector policy covers seven vector-borne diseases: Malaria, Dengue, Zika virus, Japanese Encephalitis, Lymphatic Filariasis, Kala-azar, and Chikungunya. That is why such policies are also called as ‘Dengue insurance plan’, ‘Zika virus insurance plan’, ‘Malaria care plan’, ‘Mosquito insurance plan’, or insurance against mosquito borne diseases.