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Prepare for the Monsoons with 4 Important Insurance Covers

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Published on July 26, 2021. EST READ TIME: 3 minutes

The beautiful and vibrant monsoon season can become a scary one in no time if you reside in a region that receives heavy rainfall and is prone to flooding. From viral and water-borne diseases to leaking roof and vehicle breakdown, there are so many different issues that may crop up during the rainy season and cause financial woes. So, to make the most of this wonderful season and save yourself from burning a hole in your pocket, get the right combination of insurance policies. Here’s a look at the four important insurance you must have during the monsoon season.

4 important insurance plans for monsoon

1. Motor Insurance

   While it is mandatory for car owners in India to take third-party motor insurance, this basic policy may not be sufficient for monsoon-related issues. This is when having a comprehensive car insurance policycan help. A comprehensive car insurance policy covers damage related to natural calamities, such as floods, cyclones, earthquakes and more and keeps your savings intact. When you have a comprehensive policy, you can also choose important add-on covers that might come in handy, especially during the monsoon season. Some popular ones include zero depreciation cover, engine and gearbox protection and emergency roadside assistance cover.

    

2. Comprehensive Health Insurance

   Heavy rains, waterlogging, high humidity and frequent temperature changes support the growth of germs, mosquitoes and microorganisms. These can often lead to ailments, such as typhoid, malaria, dengue, chikungunya, viral fever and diarrhoea. Considering the inflation in medical bills and the increasing incidence of viral and other microbial diseases, having a comprehensive health insurance policyis important. It will cover seasonal ailments, critical illness, hospitalisation costs, daycare procedures, road ambulance costs and more, and help you tackle medical emergencies without fretting about the bills.

3. Personal Accident Insurance

   Thanks to waterlogged streets, potholes and slippery roads, the chances of meeting with an accident increase during the monsoon season. For instance, your car may skid while applying sudden brakes and this may cause an accident or injury. An accident can not only shatter one physically and emotionally, but financially as well. However, if you have a personal accident cover, you can avail timely treatment at a good hospital without worrying about the bills. A personal accident insurance policycovers permanent total disability, accidental death, broken bones, ambulance costs, hospital daily cash allowance, and more. Hence, having it can prove to be a big help during such stressful times.

4. Home Insurance

Heavy rains and floods can cause immense damage to your property and call for expensive repairs. From exterior wall damage and roof leakage to drainage problems and basement flooding, there are so many ways your home can suffer during the monsoon season. What’s more, in case water enters the house, it can damage your expensive furniture, carpet and other belongings in no time. However, if you have the best home insurance in India, your insurer will cover damages caused by such natural calamities and prevent financial woes.

Conclusion

So, these are the four important insurance policies that you must have to stay covered during the monsoon season. In case you face health issues, or your car or house suffers damage due to heavy rains, your insurer is just a call away. Whenever you are buying health, motor or home insurance in India, spend some time browsing and comparing the plans of different insurance companies before zeroing in on one. Also, remember to choose important add-on covers for extra coverage and better protection.

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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