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TM Protect MosBite: Your Shield Against Mosquito-Borne Diseases
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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What is TM Protect MosBite?
TM Protect MosBite is a special personal accident plan designed to cover specific mosquito-borne diseases . Here's what makes it stand out:
- Focused Coverage : It specifically covers dengue fever, malaria, yellow fever, chikungunya fever, and zika fever.
- Yearly Renewable : You can renew it each year to maintain your protection.
- Lump Sum Payout : If you're diagnosed with any of the covered diseases, you get a one-time payment.
- Singapore-Only : The plan covers diagnoses made in Singapore only.
Key Features of TM Protect MosBite
Simple Coverage
Covers five specific mosquito-borne diseases. Provides a lump sum benefit upon diagnosis.
Two Plan Options
Plan A: S$3,000 coverage. Plan B: S$1,500 coverage.
Affordable Premiums
Plan A: S$60.20 per year. Plan B: S$39.80 per year. (Both include 9% GST)
No Medical Check-Up
You can get covered without a medical examination.
Why compare TM Protect Mosbite with other Personal Accident options through Whatins?
Traditional Approach
- Limited to one company's definitions
- May not know about better coverage elsewhere
- Single view on occupation classifications
Whatins Advantage
- Compare accident definitions across insurers
- See how different plans cover various activities
- Get multiple views on occupation coverage
- Understand different approaches to sports coverage
What Does It Cover?
TM Protect MosBite covers five specific diseases :
- Dengue Fever
- Malaria
- Yellow Fever
- Chikungunya Fever
- Zika Fever
If you're diagnosed with any of these diseases in Singapore, the plan pays out the full sum assured as a lump sum.
Important Things to Know
Waiting Period
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.
Separation Period
After making a claim, you need to wait 90 days before you can claim again for another diagnosis.
Maximum Benefit
Even if you have multiple policies, the maximum payout is S$3,000 per claim .
Renewability
The policy is renewable yearly, but Tokio Marine can choose not to renew by giving 30 days' notice.
Free-Look Period
You have 14 days to review the policy after receiving it. If you're not satisfied, you can cancel and get a refund.
Real-Life Examples
Dengue Fever
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.
Multiple Diagnoses
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.
Diagnosis Outside Singapore
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.
Pros and Cons
Pros
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
Cons
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)
Frequently Asked Questions
Can I use Medisave to pay for this policy?
No, this is not a Medisave-approved policy.
What if I'm diagnosed with a disease not listed?
The policy only covers the five specified diseases. Other illnesses are not covered.
Can I claim more than once?
Yes, but there must be at least 90 days between diagnoses.
Is the premium fixed forever?
No, Tokio Marine can change the premium rates with 30 days' notice.
What's not covered?
The policy doesn't cover diseases diagnosed outside Singapore, during the waiting period, or within 90 days of a previous claim.
Wrapping It Up
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.
Get Expert Advice
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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