If words are to go by that, there is an ideal time to buy health insurance now! Seasonal insurance is not available. You may require it at any time and in any location.
Instead of waiting for health insurance, you should begin reviewing and comparing policies. The beginning of the monsoon season is a high-risk season, and your health insurance policy should be in place before then.
How are you more vulnerable during these months?
1) Water-borne disease-related illnesses:
The monsoons have a powerful impact in June and July. As a result, there will be more rainfall, waterlogging, puddles, and so on. As a result, organisms overgrow, and infections increase. Mosquitoes thrive on standing water, spreading potentially fatal diseases such as dengue and malaria.
You may also get gastro or stomach infections during this season, such as diarrhoea. Because of the frequent rain, pulmonary or lung-related illnesses such as pneumonia also rise in June and July.
2) Motor vehicle accidents and personal injuries:
Another health concern is traffic accidents, with June and July traditionally the busiest months. Wet roads continue to be one of the leading causes of accidents. When you apply the brakes, cars tend to skid, resulting in personal injuries. Your auto insurance will cover your vehicle damage. However, your health insurance will cover the cost of your medication and treatment.
3) Electric shock:
Along with the preceding, there is the risk of electrocution. Open wires from junction boxes are frequently a significant source of electrocution and other fatalities. You are especially vulnerable if you walk through flooded streets.
What kind of insurance should you get?
Regarding health insurance, two popular and widely chosen types of health insurance available are independent coverage and group insurance. The self-introduced individual insurance or cover addresses your health care needs, from cashless benefits to personal injuries.
A health insurance scheme that covers a group of employees or workers is typically included in group insurance. This provides coverage similar to the preceding but with lower premium benefits because you are purchasing group insurance. Sometimes, the insured’s family/spouses are also covered for a small fee.
There are other options, such as the family floater plan and the two basic plans mentioned above. All family members are covered under this comprehensive policy. Although the premiums will be higher than in a group plan, the advantage of this health insurance policy is that the total sum insured can be used for an individual family member.
What are you going to be covered for?
When selecting a health cover, you should consider the coverage and the service provider. Pre- and post-hospitalization expenses and some day-care procedures should be covered, preferably cashless. Work out room rent caps, treatment sub-limits, and exclusions for a smooth claim-settlement process.
- Monsoon disease-specific plan:
Fortunately, many unique add-on plans are now available with health insurance. You can get a monsoon-specific plan if you have an ongoing regular health insurance plan. Along with diseases, the plans cover accidents and electrocution caused by rain.
During the monsoon season, your health insurance acts as a financial umbrella. Even if you drive safely and avoid eating or drinking outside, you risk getting hurt or becoming ill.
* 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.