Everything You Need to Know about Monsoon-based Health Insurance Coverage
Sometimes, general health insurance is not sufficient. With air-borne diseases spreading so rapidly, monsoon-focused health insurance just might be what you are looking for. Know what benefits come with just insurance and if it will provide useful for you and your family.
The monsoon is one of the most awaited times of the year in India. It is also the time when many diseases and health conditions surface. The change in weather and damp conditions usually accompany a wide range of ailments. It includes common cold, flu, viral infections, typhoid, malaria, dengue, and more.
Therefore, it is always a good idea to invest in robust health insurance to stay protected against any medical contingency. A health insurance cover will save you from escalating healthcare costs in case you seek treatment for a particular disease.
Why Do You Need a Monsoon-based Health Insurance Cover?
There is no dearth of reasons why you need health insurance cover at all times. However, its significance goes up, especially during the monsoons. The season brings along many vector, air, and water-borne diseases. Furthermore, heavy and continuous rainfall leads to waterlogging and the formation of stagnant water bodies. These stagnant water pools become the breeding ground of mosquitoes responsible for diseases such as malaria and dengue. Minor infections and changes in body temperature must be monitored closely as they could be early indicators of a critical illness. The continuous fluctuations in the temperature can easily weaken the immune system, making you prone to various diseases.
Also, heavy and incessant downpours increase the risk of electrocution because of damaged wires submerged in water. This can cause fatal accidents. Thus, it is important to have both comprehensive and critical illness insurance to stay protected during the monsoons.
Nowadays, many health insurance providers offer specific plans to cater to the health needs and risks related to monsoons. A monsoon-based health insurance cover focuses on monsoon-related diseases, possible health emergencies, and associated financial expenses.
What is Covered Under a Monsoon Health Insurance Plan?
Monsoon health insurance plans cover the hospitalisation and post-hospitalisation expenses. These plans also cover the cost of outpatient treatment. Sometimes, monsoon-related diseases can become critical. At other times, your condition may not need hospitalisation. Instead, there could be many back-and-forth visits to the doctor. You may also have to undergo extensive tests and take medication. The aggregate costs of all this can go up significantly. But, monsoon health insurance cover can help you sail through such situations stress-free.
A monsoon health insurance plan usually covers the following:
Some Health Tips for Monsoon
You may have robust monsoon-based health insurance, but that should not stop you from taking necessary precautions. Here are some things to keep in mind.
Many people believe that health insurance cover is meant only for hospitalisation cases or for something extremely critical. This is not true. A well-balanced policy such as ICICI Lombard health insurance covers much more than the obvious. So, get a monsoon-based health insurance policy and enjoy the season stress-free.