How To Choose The Right Health Insurance Plan To Protect You During Monsoons?


It’s enjoyable to prepare for the monsoons! The prospect of a break from the oppressive heat is something that practically everyone looks forward to. There is more you need to do, though, in addition to getting monsoon-friendly clothing and footwear for yourself. While the season is to be enjoyed, it frequently brings with it mishaps and illnesses that can dramatically raise your medical expenses.

The season of accidents

While the rains may tempt you to go for a lengthy trip in your automobile, they are also a time of year when traffic accidents rise sharply. Rain can make roadways slick, making it difficult for drivers of cars and cyclists to maintain control of their vehicles. Additionally, poor visibility makes the situation worse.

The following are a few factors that could turn the monsoons into a high-risk season for motorists:

  • Low visibility of warning signs on roadways and other on-coming cars
  • Less rubbing of the tyres against the ground
  • Open potholes that are obscured by water during flooding

In addition to traffic accidents, the monsoon season is also when falls increase in frequency. Because of their increased risk of falling, seniors and the elderly are particularly exposed to slippery surfaces.

Risks to your health during the monsoon season

There are other risks than traffic accidents during the monsoon. A vast variety of illnesses that can seriously harm not only your health but also your wallet come along with the rainy season. During the rainy season, the prevalence of some common ailments dramatically increases.

  • Malaria
  • Dengue
  • Chikungunya
  • Typhoid
  • Pneumonia
  • Asthma\Hepatitis

The muddy puddles and humid weather provide the ideal breeding environment for germs, viruses, and illnesses, making these diseases a threat to national and state governments to control. Additionally, bacteria and fungi weaken your body’s defences against infections, which can have severe consequences if left untreated. If the proper care is not given at the appropriate time, the majority of these disorders can become fatal.

Benefit from a health insurance policy to protect yourself

These illnesses may call for pricey, intensive care in a hospital. To ensure that excessive medical costs do not prevent you from receiving the best care, you must have health insurance. Additionally, choose a few add-ons that might enhance the policy to offer total protection, such as:

  • OPD coverage: Enables you to pay for medical expenses even if you’re not hospitalised *
  • Prior to and after hospitalisation Cover: These will guarantee that you are also reimbursed for the costs associated with your care prior to or following your stay in the hospital*
  • Daily cash allowance: This offers a set amount of money for each day you spend in the hospital to help with any out-of-pocket costs*

Selection of the appropriate health insurance policy

If you’re purchasing new health insurance for individuals during the monsoon or at any other time, be sure to carefully review all the terms and conditions before committing. Pay close attention to the stipulations pertaining to the diseases covered, waiting period, insurance amount, and co-payment option, among others. When purchasing a new policy, only trust a reputed firm that has a solid track record and a high claim settlement ratio. *

Choose an insurance amount that will be adequate to pay for procedures that could result in expensive medical expenses. Utilise a health insurance premium calculator to calculate the premium you would need to pay.

Additionally, you can select between a standalone policy and a full-coverage health insurance policy to receive enough benefits for a range of illnesses. Health insurance covers also come with a waiting time before which you cannot file claims, in view of the risk of pre-existing diseases. For the most benefits, you can choose the shortest waiting period.

* Standard T&C Apply

** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.

# Visit the official website of IRDAI for further details.

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.