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Dengue malaria BeSmart insurance treatment
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Main features of MOS-BITE Protector Policy

surgery
The policy covers seven vector-borne diseases.
Money hand
It pays you the sum insured in case the policyholder gets hospitalized for 48 hours
hospital bed
The insurance policy is available to an adult between 18 and 65 years of age.
Injection
The policy does not require any medical test prior to taking the policy.

What it covers?

  • Dengue fever
  • Malaria
  • Lymphatic Filariasis
  • Kala-azar
  • Chikungunya
  • Japanese Encephalitis
  • Zika Virus

Major Exclusions

  • Any claim if Insured was already diagnosed and had not fully recovered from any of the listed vector-borne diseases at the time of purchase of the policy.
  • Any claim based on certification/ diagnosis/ treatment from persons not registered as Medical Practitioners, or from a Medical Practitioner who is practicing outside the discipline that he is licensed for, or any diagnosis or treatment that is not scientifically recognized or Unproven/Experimental Treatment, or is not Medically Necessary or any kind of self-medication and its complications.
  • Any claim where the insured has delayed the medical treatment Wilful Act or Gross Negligence – Injury, disease or damage due to willful act including attempting suicide or intentional self-injury, self-exposure to needless peril (except in an attempt to save human life) or gross negligence of the Insured person or his/her family
  • Consequential Loss – Any consequential or indirect loss or expenses arising out of or related to any insured event.
What it covers?

What it covers?

  • Dengue fever
  • Malaria
  • Lymphatic Filariasis
  • Kala-azar
  • Chikungunya
  • Japanese Encephalitis
  • Zika Virus
Major Exclusions

Major Exclusions

  • Any claim if Insured was already diagnosed and had not fully recovered from any of the listed vector-borne diseases at the time of purchase of the policy.
  • Any claim based on certification/ diagnosis/ treatment from persons not registered as Medical Practitioners, or from a Medical Practitioner who is practicing outside the discipline that he is licensed for, or any diagnosis or treatment that is not scientifically recognized or Unproven/Experimental Treatment, or is not Medically Necessary or any kind of self-medication and its complications.
  • Any claim where the insured has delayed the medical treatment Wilful Act or Gross Negligence – Injury, disease or damage due to willful act including attempting suicide or intentional self-injury, self-exposure to needless peril (except in an attempt to save human life) or gross negligence of the Insured person or his/her family
  • Consequential Loss – Any consequential or indirect loss or expenses arising out of or related to any insured event.
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Head Office (Panjim)

Gera Imperium 1, 606, 6th Floor, Patto Plaza, Patto Centre, Panaji- Goa 403001

Branch Office (Vasco)

1st Floor, Shop no. 114, Anand Trade Centre, Opp. MMC Building, Vasco, Goa.

Branch Office (Verna)

Shop No. 6, Verna Classic Bldg, Near HDFC Bank, Verna Industrial Estate, Verna- South Goa.