Monsoon is one thing that brings rejoice to all from the scorching summer heat. With rains already started to pour over the western part of the country, it is a matter of couple of weeks that it spread to other parts of too. That being said, you need to prepare yourself to tackle rains this 2021.
As rain brings joy and relief from the summer heat, it is also accompanied by some unwelcomed health concerns. These ailments is when you recall about your health insurance policy. A health insurance policy serves as a backup in times when you need financial assistance for health ailments. Apart from financial support, it also ensures mental peace knowing you no longer need to worry about seeking adequate treatment with a health cover. This article mentions three essential health insurance policies that can help to safeguard your health this monsoon.
Family Health Insurance Covers
With health insurance plans for family, you can ensure an all-round coverage for your entire family. Kids with their weaker immune systems are more often prone to ailments during the rains. Also, there is a high chance of infections that might adversely impact your immune system leading to monsoon-specific diseases like chikungunya, malaria, cholera, typhoid, etc. A health insurance policy that covers all your family members helps to tackle any unexpected medical treatment cost due to these varied health concerns. Not only hospitalisation, but also pre and post hospitalisation expenses are covered by these policies. Some policies even include domiciliary treatment and day-care procedures that might be required in such times. When selecting a family floater plan, remember to opt for a higher amount of health insurance cover since the sum insured is available for all the beneficiaries covered by the policy.
Personal Accident Cover
Accidents are unpredictable, but their probability is higher during monsoon. This is due to water logging, slippery surfaces, and reduced visibility. With the help of a personal accident insurance plan, uncertainties of accidental death, injuries sustained and for any kind of disability are covered under this policy. This personal accident insurance is a defined benefit policy pays in the event of disability and the death of the insured. For partial disability, the policy pays only a specified sum as per its terms of contract. With such personal accident cover to insure unfortunate mishaps, financial safeguard is created.
Health insurance for vector borne diseases
Monsoon does not only witness an increase in accidents and injuries, but also a rise in vector borne diseases. Since clogged water serves as a breeding ground for various disease-causing hosts like mosquitoes, it is crucial to purchase a health insurance against vector borne diseases. Some of the infections that are covered by such policy include pneumonia, asthma, typhoid, influenza, cholera, hepatitis, dysentery, etc. A policy with an extensive coverage specifically to tackle these monsoon related ailments can help avoid a dent to your finances while seeking the right treatment.
These are some health insurance plans to include in your insurance portfolio this monsoon. If you have older people to look after, health insurance for senior citizens is an effective policy to consider that helps manage the financial costs associated with treatment specifically for older people. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.
