5 Ways to Be Insurance-Ready This Monsoon Season

Posted on: Jul 15, 2021 | | Written by: HDFC ERGO Team

5 Ways to Be Insurance-Ready This Monsoon Season

It is quite common to develop health issues, especially cough and cold, during the monsoon season. And the COVID-19 pandemic will simply add on to the problem and might lead to serious health complications if you are not careful. Hence, during the rainy season, it is better to take precautions rather than seek a cure. In this regard, choosing a health insurance plan that suits your needs is also important. It will cover you financially in case of any medical emergency and keep unnecessary worries at bay. With the right policy, even if you fall ill suddenly despite taking the usual monsoon precautions, you can avail the best treatment possible without losing sleep over the medical bills. So, read on to know how you can get monsoon ready.

5 things to do to get ready for monsoon

Go for private commute
The risk of spreading or contracting a contagious disease, be it the common cold or the coronavirus, increases when you travel by bus, auto or train. So, instead of public transport, try to use private transport like your own bike or car. This way, you can avoid large crowds. Choose from the best health insurance plans in India to stay protected financially as well in case you contract any disease that requires hospitalisation or extensive treatment.
Choose home-cooked food over street side delicacies
The sight of grey clouds or rain makes you crave for crunchy, crispy street food and a hot cup of chai, right? However, remember that such delicacies are usually not prepared in a hygienic manner. For instance, the utensils used might be dirty, or the ingredients might be contaminated, or the oil used might be stale. And this spreads diseases like typhoid, stomach flu and diarrhoea like a wildfire. So, avoid indulging in street delicacies during the rainy months and stick to healthy, fresh and home-cooked food.
Keep safety measures in place while travelling
Travelling during monsoon is often riskier than other seasons. When exposed to disease-spreading carriers like mosquito and wasps during travel, you may fall ill easily. It is thus essential to be ready when travelling during monsoon. Carry masks, disinfectant wipes and sprays, insect repellents, over the counter medicines for fever and stomach upset, and sanitisers. Also pick up a suitable health insurance plan in India, which can protect you against sudden expenses if you meet with a medical emergency.
Watch out for risks on the street
Monsoon in India is synonymous with waterlogged roads and overflowing drains. Storms associated with the season can often result in power cable disruption and livewires falling on the streets. Hence, it is necessary to be extra careful when you are walking or driving in the rain. Remember that waterlogged spots are a breeding site for mosquitoes that cause malaria. So, avoid them as much as possible. Also, wet roads are more prone to accidents, so ride or drive slowly and watch out for unruly commuters.
Get checked immediately if you have a cough or cold

The sudden climate change during the monsoon season causes a host of pathogens to breed and these can infect you either through insect bites or through food. So, if you develop a fever, cough, or cold, go for an immediate check-up and blood test. Maintain personal hygiene as well, like change wet clothes as soon as possible, drink a lot of water and hot soups, get bacterial and fungal infections treated, and bathe with lukewarm water every day.

Choose the right health insurance plan for extra protection

To keep yourself further protected, opt for the best health insurance in India with the following considerations in mind.

Go for a suitable sum insured that can sufficiently cover treatments that can raise medical bills of high value.
You can also choose between standalone and comprehensive health insurance cover for adequate benefits across various types of diseases.
Health insurance covers also come with a waiting period before which you cannot register claims, in view of the risk of pre-existing diseases. However, you can opt for the lowest waiting period for maximum benefits.
Also, confirm the maximum renewal age of the policy you pick, since that would ensure you stay covered for the longest period possible.

Conclusion

With the right health insurance plan and by observing the necessary precautions, you can stay safe during the monsoon season and even enjoy it. In case you suffer from allergies or other health issues that flare up during monsoons, consult your doctor for more guidance.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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