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Everything you need to know about monsoon-based health insurance coverage


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Even if it gets annoying at times, it is undeniable that the monsoons hold a special place in our hearts. Such a busy season deserves to be fully enjoyed without having to worry about the seasonal health risks that could strike a person at any time, often resulting in illness or hospitalization. The season in particular makes it necessary to be very careful with the various diseases, vector transmitted diseases and other viral infections common during this period. Indeed, with a Health Insurance by your side to protect you against the financial charges which result from it; they would just turn out to be a minor inconvenience.

What Makes Health Insurance a Necessity During the Monsoon?

While there is no shortage of reasons why we need health insurance at any given time, there is a list of reasons, to specifically address the reasons why we absolutely need it during the monsoon season. As we all know, the weather conditions during the monsoon are conducive to the growth and spread of harmful microorganisms. Puddles of stagnant water, as well as clogged pipes in the midst of heavy rains and subsequent humidity, are the breeding utopia for mosquitoes and other vectors. On top of that, the temperature that constantly switches between hot and cold can easily cause anyone with a weak immune system to fall ill with flu-like symptoms for days on end. And that’s not even half the nightmare that the monsoon season can cause.

Besides dengue, malaria and other viral infections, heavy rainfall during this season brings a series of other serious risks due to the increasing number of road accidents during the rainy season every year. In such cases, good health insurance coverage can be your only best friend. Interestingly, most health insurance companies now offer plans, specifically designed for the monsoon season, and the illnesses it brings.

Monsoon-based health insurance coverage: everything you need to know

The main feature of a monsoon specific health insurance policy is to cover health expenses due to hospitalization or outpatient treatment for the most serious vector-borne diseases, at all ages. The majority of disease specific plans in recent times are the most personalized insurance services that offer a multitude of useful benefits to clients. The most common benefits include:

  • Comprehensive coverage of hospital costs for the treatment of a wide range of illnesses, including infections, accidental injuries and non-communicable diseases
  • Coverage of diagnostic tests and examinations
  • Coverage for OPD visits and day care
  • Emergency coverage for road and air ambulances

In addition, in the event of a serious deterioration in health leading to intensive care admissions, many of these plans can be effectively completed. Benefits also include the No-Claim Bonus which increases the face amount for each loss-free year, some plans offer an increase of up to 200%, unlimited automatic top-up of face amount, as well as global coverage.
General Health Insurance Inclusions: While almost all health insurance policies usually come with most basic inclusions, it is always in your best interest to learn more about the applicable waiting period for specific conditions. in these plans. The waiting period refers to the total time that must be waited before being able to claim expenses incurred for certain specific ailments or pre-existing conditions. Some of the other general inclusions are treatment 30 days before and 60 days after hospitalization, alternative forms of treatment such as Ayurveda, Unani, homeopathy and Siddha, home treatment (home treatment), organ donation costs, etc.

Important health tips for ensuring good health during the monsoon:

While having good health insurance for you and your loved ones is an absolute necessity for financial security, it is still wise to avoid health issues as much as possible by taking precautionary measures during the monsoon season. You can enjoy the rain while sipping on the benefits of antioxidants every day with a healthy cup of green tea and a balanced diet filled with fruits and green leafy vegetables. Other important things to take care of this season include:

  • Maintain good hygiene and do not touch your nose and mouth with dirty hands to avoid flu-like symptoms Wear clean cotton clothes
  • Drink as much as possible clean, boiled and lukewarm water, avoid drinking cold water
  • Add ginger, cardamom, and cinnamon to your diet to boost immunity
  • Avoid going to crowded places and eating at open food stalls or restaurants
  • Use a skin-friendly mosquito repellent
  • Cover up properly before you leave your home
  • Keep an umbrella handy to avoid getting stuck somewhere or getting drenched in a sudden downpour.
  • And of course, in addition to the above, take all required covid precautions

Key to take away

If you have a symptom of a vector or water-borne disease in a member of your family, there should be no delay in seeking medical assistance, given the dire situations we are experiencing. There are often symptoms which are usually too mild to notice and therefore taken lightly which later turn out to be serious in many cases, especially in children and the elderly. Most medical emergencies happen uninvited, and it’s often at the most unexpected times. Even then, the monsoon season often has the highest probability of causing various illnesses, and therefore can be considered the best time to purchase comprehensive insurance coverage for you and your family. When choosing an insurance plan that best suits your needs, remember to make sure you are thorough in all details, including terms and conditions, about coverage and any exclusions that involve the plan provided by your insurance company.

(By Ajay Shah, Director and Manager – Retail Sales, Healthcare Medicare (formerly Religare Medicare)

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