Go Beyond Car and Home Insurance this Monsoon

After keeping all the monsoon lovers waiting, monsoon season has finally arrived. The parched lands are getting the much-needed water. The rains bring relief from the scorching heat, often it leaves behind a long trail of damages and losses. The roads get clogged, inundation, damage caused to the property and automobiles because of tree uprooting etc. creates a havoc. Water-borne ailments spread like a wildfire and diseases spread by mosquitoes show their ugly side.

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    The insufficient insurance coverage against such risks can add up to your woes. It is better to be protected than regretting later.

    This article will be your guide in order to monsoon-proof yourself.

     

    1. Rain-Proof Your Health

    Did you know 70 percent cases of malaria in the South-East Asian region are reported to be in India? Approx 5.8 million Indians become victims of deadly dengue every year and the maximum cases are diagnosed during the monsoon. The story doesn’t end here; thousands of Chikungunya cases are also reported.

    Aquaplaning and potholes are the main reasons behind the road mishaps. These facts and figures show that health insurance is the need of the hour. One can be extra careful from his/her side but can still fall prey to monsoons’ woes.

    A health insurance plan is loaded with various benefits, such as hospitalization, additional covers and much more. Reports suggest that during the monsoon season, claims are increased by 10 percent because of water-borne illness and diseases caused by mosquitoes. Safeguard yourself and your family with medical insurance and stay tension-free.

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    2. Travel Plans can Change

    Clouds and the sun play hide and seek frequently and the weather has to pay the price for their mischief. Constantly changing weather challenges your travel plans and you might have to change your plans accordingly. Changing weather affects domestic travel plans more than it affects the international ones. When you are traveling within the country, the weather conditions may affect your travel.

    When you are traveling, you are exposed to so many risks. Apart from that, India witnesses a large number of road and train mishaps. Travel insurance plans provide coverage for the domestic travel delay because of weather change, missed connections because of bad weather or any kind of change of plans because of natural disasters.

    3. Monsoon Effect on the Automobiles

    A comprehensive automobile insurance plan covers own damage as well as offers coverage for any third-party liability. Perhaps, it is adequate for the small repairs due to small damages. It doesn’t provide coverage for any monsoon-associated risk. In rains, it is common that the engine damages because the driver tries to drive the automobile when flood water is accumulated on the road. It lets water in the vehicle’s engine and disrupts its functioning. These engine damages aren’t covered by a comprehensive insurance plan. The insurance providers offer additional covers for the automobile insurance, which creates a shield that keeps financial burden far away.

    An additional cover like engine protect is ideal for the monsoon season. During heavy rains, major damages are caused to the engine. Engine protect cover takes care of such damages.  Another additional cover return to invoice compensates the policyholder with the ex-showroom cost of the vehicle if a total loss is caused to the automobile because of the damage caused by falling of a tree and it is damaged beyond repair.

    4. Protect your Home Sweet Home

    Home is where your heart is. A home is very precious and it costs lakhs or even crores. It isn’t safe from the calamities, such as floods, inundation, lightening etc. These disasters last for a few hours and they have potential to wash off your bank balance. Home insurance policy provides coverage to the external structure of your house along with the home contents, such as appliances, furniture, and jewelry. Monsoon season most of the times is accompanied by floods and inundation that affect homes severely in rural as well as in urban areas.

    The Bottom Line!

    The yearly premium of the policy depends totally on the coverage duration, built-up area of a house, construction cost and contents’ as well as valuables’ cost, valued at their current market prices. You can insure your home and its contents by paying a nominal premium amount. Various insurance providers offer long-term home insurance policies that can be extended to last up to 10 years. Some plans come with the provision of hiking up the sum insured by 10 percent on a yearly basis. Stop waiting for the after effects of a disaster to realize you the importance and need of home insurance.

    Written By: PolicyBazaar - Updated: 02 August 2021
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    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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