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

Various diseases make their way into the lives of people with the arrival of monsoon. Everyone is prone to fall sick at least once in the rainy season. Ordinary ailments like stomach infections, cough and cold are not that severe. However, if untreated they can also lead to major diseases like viral fever, cholera, diarrhea, malaria, dengue, typhoid and chikungunya.

The beginning of the monsoon is regarded as a high-risk season because of the spread of various diseases. Thus, it is better to have an insurance policy prior.

Prevention is always better than cure and these precautionary measures help to beat the illnesses that the monsoon season brings.A health insurance plan can help you against unexpected bouts of ill health.

How Are You at Higher Risks During Monsoon?

Illnesses related to water borne diseases

Monsoon has a strong impact in the month of June and July. The higher rate of rainfall and waterlogging results in growth of organisms. Disease like pulmonary or lung related illnesses like pneumonia are on rise during monsoon because of heavy rains which leave us drenched.

Road accidents and personal injuries

Road accident is another concern during the monsoon season. The highest cause of accidents is slippery roads.Car insurance takes care of your car or bike damage. While, health insurance will help you with your medical bills and treatment requirements on the financial side.

Electrocution

The risk of electrocution is also added in this list along with the above two. The major cause of electrocution and other fatalities are open wires from junction boxes. Under this circumstance, the insured receives coverage if admitted in the hospital for at least 24 hours.

Which Health Insurance Policy Should You Opt For?

If you are looking for family health insurance or an individual plan for yourself, two popular and rather common options include independent cover and family floater health insurance.Comprehensive health needs such as cashless benefits to personal injuries are covered under the self-explanatory individual insurance.

A family floater insurance includes a health insurance scheme that covers members of your family that are included in the plan. The coverage offered is similar to that of the above, but one single sum assured is applicable for all members.

What Will You be Covered For?

The important points to be considered while buying a health insurance plan are coverage and insurance company. Cost of pre and post hospitalization, some day-care procedures, etc.should be covered. It is also required to do work out on room rent capping, sub-limits on treatments and exclusions for smooth claim-settlement.

Disease-Specific Plan for Monsoons

These days, there are many special add-on plans available with health insurance. Thus, if you own a regular health plan than you can get a monsoon specific plan. It would take care of illnesses like cholera, malaria, dengue, hepatitis A, etc. In some insurance plans, swine flu is also covered. The person needs to be admitted in the hospital for 24 hours at least to file a claim for all above mentioned illnesses.

A critical illness insurance policy is like financial umbrella during the monsoon period and even otherwise considering it’s specific coverage for life-threatening illnesses.

Hence, compare and invest in a good health insurance before the rainy season begins and safeguard your financial future and protect yourself and your loved ones.