TM PA (Personal Accident)
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Are you worried about dengue fever, malaria, or other mosquito-borne diseases? You're not alone. In Singapore, these illnesses can strike at any time, causing health issues and financial stress. That's where TM Protect MosBite comes in. Let's explore how this unique plan can help protect you and your wallet from these pesky but potentially dangerous diseases .
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TM Protect MosBite is a special personal accident plan designed to cover specific mosquito-borne diseases . Here's what makes it stand out:
Covers five specific mosquito-borne diseases. Provides a lump sum benefit upon diagnosis.
Plan A: S$3,000 coverage. Plan B: S$1,500 coverage.
Plan A: S$60.20 per year. Plan B: S$39.80 per year. (Both include 9% GST)
You can get covered without a medical examination.
TM Protect MosBite covers five specific diseases :
If you're diagnosed with any of these diseases in Singapore, the plan pays out the full sum assured as a lump sum.
There's a 14-day waiting period from the policy start date. If you're diagnosed during this time, you won't be able to claim.
After making a claim, you need to wait 90 days before you can claim again for another diagnosis.
Even if you have multiple policies, the maximum payout is S$3,000 per claim .
The policy is renewable yearly, but Tokio Marine can choose not to renew by giving 30 days' notice.
You have 14 days to review the policy after receiving it. If you're not satisfied, you can cancel and get a refund.
If you're diagnosed with dengue fever: You'd receive a lump sum payout (S$3,000 for Plan A or S$1,500 for Plan B). This money can help cover medical expenses or lost income while you recover.
If you're diagnosed with dengue, recover, and then get malaria 6 months later: You could claim for both diseases (subject to the maximum benefit of S$3,000 per claim). However, if you get malaria within 90 days of your dengue diagnosis, you couldn't claim for it.
If you're diagnosed with a covered disease while traveling: Unfortunately, you wouldn't be able to claim, as the policy only covers diagnoses in Singapore.
Affordable premiums
Focused coverage for specific, common mosquito-borne diseases
No medical check-up required
Lump sum payout for quick financial support
Yearly renewable for continued protection
Only covers diagnoses in Singapore
14-day waiting period at the start
90-day separation period between claims
Maximum benefit cap of S$3,000 per claim
Premiums may increase (with 30 days' notice)
No, this is not a Medisave-approved policy.
The policy only covers the five specified diseases. Other illnesses are not covered.
Yes, but there must be at least 90 days between diagnoses.
No, Tokio Marine can change the premium rates with 30 days' notice.
The policy doesn't cover diseases diagnosed outside Singapore, during the waiting period, or within 90 days of a previous claim.
TM Protect MosBite offers a unique, focused protection against common mosquito-borne diseases in Singapore . With its affordable premiums and straightforward coverage, it can provide peace of mind and financial support if you're diagnosed with one of the covered diseases.
However, it's important to remember its limitations, such as the Singapore-only coverage and the waiting and separation periods. This policy works best as a supplement to your regular health insurance, providing an extra layer of protection against these specific risks.
Remember, the best insurance is the one that fits your specific needs and situation . Consider your risk factors, existing coverage, and budget before making a decision.
Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on mosquito-borne disease insurance. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs. Don't let mosquito-borne diseases catch you off guard – get the expert advice you deserve today.
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