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Personal Accident

TM Protect Mosbite: Comprehensive Coverage for Mosquito-Borne Diseases

In tropical climates like Singapore, mosquito-borne diseases pose a significant health risk. Recognizing this concern, Tokio Marine Life Insurance Singapore has introduced TM Protect Mosbite, a specialized personal accident plan designed to provide financial protection against dengue fever, malaria, yellow fever, chikungunya fever, and zika fever. This non-participating, yearly renewable plan offers a lump sum benefit upon diagnosis of any covered disease, ensuring peace of mind in the face of these prevalent health threats. With its focus on mosquito-borne illnesses and straightforward coverage, TM Protect Mosbite addresses a crucial gap in many Singaporeans' insurance portfolios.

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TM Protect Mosbite Coverage and Benefits

TM Protect Mosbite offers a straightforward and targeted approach to protecting against mosquito-borne diseases. The plan provides a lump sum benefit upon diagnosis of any covered disease, with coverage limited to diagnoses made in Singapore. Let's explore the key features and benefits of this unique insurance product:

Basic Benefit

Upon diagnosis of a covered disease, TM Protect Mosbite pays out the sum assured in a lump sum. This provides immediate financial support to help manage medical expenses and other costs associated with the illness.

Covered Diseases

The plan covers five specific mosquito-borne diseases: dengue fever, malaria, yellow fever, chikungunya fever, and zika fever. This focused coverage ensures protection against the most common and concerning mosquito-transmitted illnesses in the region.

Waiting Period

A 14-day waiting period applies from the issue date of the policy. No benefits will be paid if the life assured is diagnosed with a covered disease within this initial period, ensuring that the coverage is for new and unforeseen diagnoses.

Separation Period

To prevent multiple claims for the same or related illnesses, a 90-day separation period is enforced between payable claims. This ensures that each claim represents a distinct occurrence of a covered disease.

Coverage Customization

TM Protect Mosbite offers flexibility to suit different needs and budgets. While the coverage is straightforward, there are options to customize the level of protection:

Sum Assured Options

The plan offers two levels of coverage: Plan A with a sum assured of S$3,000, and Plan B with a sum assured of S$1,500. This allows policyholders to choose the level of protection that best fits their needs and budget.

Premium Rates

Annual premiums vary based on the chosen plan. Plan A costs S$60.20, while Plan B is priced at S$39.80 (both inclusive of 9% GST). These competitive rates make the coverage accessible to a wide range of individuals seeking protection against mosquito-borne diseases.

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TM Protect Mosbite Additional Features

While TM Protect Mosbite is a focused product, it comes with several additional features that enhance its value and flexibility:

Yearly Renewable

The policy is designed as a short-term accident and health plan that is renewable annually. This allows for flexibility and the ability to reassess coverage needs each year.

No Medisave Use

It's important to note that this policy is not Medisave-approved, meaning premiums cannot be paid using Medisave funds. This ensures clear separation from other health insurance products.

Maximum Benefit Cap

For individuals covered under multiple policies, there's a maximum benefit cap of S$3,000 per claim across all policies. This prevents over-insurance while still providing substantial coverage.

Claims and Customer Service

Tokio Marine Life Insurance Singapore has established a straightforward claims process for TM Protect Mosbite policyholders. In the event of a diagnosis of a covered disease, policyholders must inform the company in writing within 30 days or as soon as reasonably possible. The company requires completed claim forms and relevant documents to process the claim efficiently. While policyholders are responsible for furnishing the requested documents, Tokio Marine will bear the cost of any medical examinations they require from their appointed medical practitioners. The company reserves the right to request independent examinations or verification to assist in claim assessment, ensuring a fair and thorough process.

Conclusion

TM Protect Mosbite offers a unique and targeted insurance solution for individuals concerned about the financial impact of mosquito-borne diseases. This product is particularly well-suited for residents of Singapore who want an extra layer of protection against common tropical illnesses, frequent travelers to dengue-prone areas, and those who live or work in environments with higher mosquito exposure. The plan's simplicity, affordability, and focus on specific diseases make it an attractive option for supplementing existing health insurance coverage.
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