While the arrival of monsoon brings a respite from the scorching heat and humidity, it also brings with it the possibility of hordes of diseases and infections. While common cold, fever, and stomach infections are common in monsoon, you might encounter other potential medical risks during the rainy season as well.
Some common potential health risks during monsoon are-
Waterborne diseases and Fungal Infections
Waterlogging is a common problem in monsoons. The roadside puddles along with sewage drains along the streets are always overflowing in the rainy season. This excessive water logging often leads to breeding of mosquitoes, insects and other infectious microorganisms. As a result, the incident of dengue and malaria are rampant in rainy season. The polluted water sometimes also gets mixed in local water reservoirs and dams, affecting the quality of our drinking water. This leads to water-borne diseases like diarrhea, cholera and stomach infections. Polluted water also causes a lot of skin diseases and fungal infections. Monsoons report the highest cases of rashes, itching, swelling and redness of skins due to fungal infections.
Threat of Electrocution
The risk of electrocution during monsoon is quite high. Torrential rains often cause sparks and fires in case of open wires from electric boxes and connecting electricity lines. Antennas and mobile towers are also at risks during thunderstorms and heavy lightning.
Personal Injuries and Road Accidents
Rains lead to wet roads and slippery structures. Many accidents are reported due to vehicles skidding on these wet roads. There have been incidents reported of people falling into open manholes during monsoon in the past. Thus, it is safe to say that the risk of personal injuries is very high in monsoon. Although your car insurance might cover the risks and legal liabilities for your vehicle, you need a robust health insurance policy in hand to cover your hospital and medical bills.
Common Preventive Measures for Potential Health Risks during Monsoon-
- Keep away from stagnant waters and puddles
- Drink boiled water
- Take bath twice a day to avoid any skin infections
- Use insect repellent at homes and your workplace
- Buy medical insurance to cover the costs of personal injuries/disease sustained/contracted during monsoon
How Health Insurance Plans Protect You During Monsoon?
You never know when you might need medical assistance, especially when it is so easy to fall prey to infections during monsoon. A health insurance acts as a financial umbrella to protect you from the burden of unexpected medical bills during monsoon. Insurance providers even offer disease-specific insurance plans for monsoon. Under these plans, you can also file a claim for accidents as well as electrocutions caused due to rains.
Explore medical insurance options available on our platform to get you and your family insured during this monsoon. Not only do these insurance plans cover the expenses for any unexpected medical emergencies during the rainy season but they also offer tax deduction under section 80D on your insurance premium. The different Bajaj Allianz health insurance plans available at Finserv MARKETS have inclusions for ambulance and hospital room charges, in-house medical expenditure, health check-ups, cost of surgery and procedures, and certain pharmaceuticals/medicines. To know more about health insurance benefits, visit Finserv MARKETS today!
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