Many people like the monsoon season despite its fewer desirable qualities. Especially among the young and the old, many symptoms are dismissed at first but are far more severe than first thought. That is why it’d be ideal to enjoy this lively time of year without worrying about your health.
Consider investing in health insurance to shield you from the financial fallout of monsoon-related illnesses and other health problems. You can achieve financial stability by purchasing suitable health insurance coverage. The correct health insurance coverage is especially crucial during the monsoon, and this article will show you why.
Why is Health Insurance Important During the Monsoon?
There is a laundry list of reasons you need health insurance during the monsoon season, but that doesn’t mean you don’t need it any other time of year. You can all agree that the monsoon season provides ideal circumstances for the proliferation of pathogenic bacteria and viruses.
Mosquitoes and other vectors find the puddles and blocked drains that form their ideal nesting environment after rain. Furthermore, extreme fluctuations in temperature may cause anybody with a compromised immune system to get ill with flu-like symptoms that last for days. The monsoon season may do far more damage than this.
Every year, the excessive rainfall during this season causes a range of additional serious risks, including increased traffic accidents and the spread of viral illnesses like dengue and malaria.
A reliable health insurance policy may be your sole ally in such a precarious situation. Interestingly, most health insurers now also provide policies tailor-made for the monsoon season and the illnesses it brings.
Essential Features and Advantages of Monsoon Health Insurance Coverage
The monsoon medical insurance policy will cover your hospitalisation and inpatient treatment costs if you or a loved one get a severe vector-borne illness.
Disease-specific plans provide the most personalised insurance options for the monsoon season with various perks. Among the many advantages of such insurance packages are the following:
- Hospitalisation costs associated with dengue fever, malaria (infection cover), accidental accidents, and non-communicable illnesses are all covered.
- Protection for medically necessary diagnostic tests.
- Outpatient care, including visits to the doctor or post-hospitalisation checks, is covered.
- Payment for emergency medical care and ambulance transportation.
- Several policies provide additional coverage in a catastrophic health crisis requiring intensive care unit (ICU) admission. Other advantages include worldwide protection and a no-claims bonus.
Coverage Details for Basic Health Insurance
All insurance plans provide the same baseline protections, such as liability and property insurance. However, it is prudent to learn more about the waiting periods that are part of such programs. When you purchase an insurance policy, a waiting period may occur before your coverage begins. In general, health insurance covers the following:
- Hospitalisation.
- Care before and after a hospital stay.
- Daycare procedures are minor operations that don’t need a hospital stay longer than 24 hours.
- Domiciliary care refers to receiving medical attention in the comfort of one’s home.
- Organ donation costs or donation expenses.
- Medical transport costs.
Standard Exclusions in Healthcare Insurance
Given that insurance aims to protect against unexpected, pre-existing diseases and elective procedures like breast augmentation and teeth whitening are often not covered. The coverage does not pay for Ayurvedic treatments or injuries that the insured person causes himself.
Conclusion
Although you should always be prepared for a medical emergency, the monsoon season is perfect for purchasing family health insurance. You should seek medical attention if you or a family member has signs of a vector-borne or water-borne infectious illness. Carefully reading the insurance policy’s coverage and exclusions can help you choose the policy that best fits your needs.
