Vishal and Preeti had planned a short trip to Goa in the monsoon thinking it would be less crowded and hence they would be able to save on their expenses. However, all their excitement turned into disappointment and helplessness when Vishal contracted typhoid. The trip turned out into their worst nightmare with visits to hospitals and doctors, rather than a relaxed vacation as they had hoped for. Each year there is a considerable brouhaha surrounding monsoon in India, as we wait for a downpour to bring us relief from the scorching heat. However, heavy rainfall can not only bring life to a halt, it can also lead to flooding, that not only brings loss of life and poverty but water-borne diseases too. It helps to be prepared, especially if you are planning a trip during that time, so as to ensure peace of mind.
The World Health Organization (WHO) has projected that climate change could lead to a spurt in the number of deaths due to malaria, dengue and diarrhoea between 2030 and 2050 especially among children, women and the poor in developing countries like India. Changes in agricultural practices due to variation in temperature and rainfall as well as growth of urban slums with lack of safe drinking water or adequate solid waste management are the two main reasons attributable to an increased risk of diseases spread by mosquitoes. The surprising floods in Chennai in 2015 are a stark reminder and so are the Mumbai rains which almost every year throw life out of gear. It is to cater to such needs that the Monsoon Cover from Finserv MARKETS not only offers protection from disease but also keeps you worry free.
Malaria is the most common vector-borne disease which is spread by the female Anopheles mosquito that breeds in dirty water. Characterised by fever, body aches, chills, and sweating, it is treatable but negligence can lead to complications like jaundice, severe anaemia or even liver and kidney failure. Dengue begins with headache, fever, exhaustion and rash including severe joint and muscle pain and swollen lymph nodes. It is spread by the Aedes Aegypti mosquito that breeds in clean, freshwater and bites in the day time. The disease is potentially life-threatening since there is no specific medication and treatment involves symptomatic relief with a regular monitoring of blood platelet count throughout the course of the illness.
This is where the sachet Insurance by Finserv MARKETS is a boon to one and all. Even if you contract a disease, the Monsoon Cover with a coverage of up to Rs 50,000 covers hospitalisation expenses for treatment of both the diseases above, including pre diagnostic tests. It also takes care of the doctor charges before, during and after admission into the hospital. Not only this cost of medicines during treatment including any medical expenses incurred 15 days before and after hospitalisation are covered. Room rent costs of upto Rs 1000 per day for a regular room and Rs 2000 per day for ICU are provided for.
There are varied policies to cater to specific needs and they are quite affordable with premiums starting as low as Rs 299 for a year, for the Dengue Cover. It is a small price to pay considering there was a 300 percent increase in the number of dengue cases in 2017 as opposed to 2009 as per data from National Vector Borne Disease Control Programme (NVBDCP) and National Health Profile 2018. Water-borne Disease Sachet Insurance, available on Finserv MARKETS provides protection against typhoid- a disease that occurs due to consumption of contaminated water.
These health insurance policies have a 30 day waiting period from the commencement of the policy. This means that if the person insured is hospitalised with typhoid or dengue/malaria within 30 days from taking the policy, the company won’t be liable. Also if you contract the disease, prior to the cover, the policy will not be applicable.
One can fill the forms to avail of the cover online, make the premium payment and sit back. Claim settlement process for these sachet insurance products is also quick. So what are you waiting for? Secure the health of you and your loved ones today by opting for a cover of your choice.
Finserv MARKETS, from the house of Bajaj Finserv, is an exclusive online supermarket for all your personal and financial needs. We understand that every individual is different and thus when you plan to achieve your life goals or shop for the gadget of your dreams, we believe in helping you Make it Happen in a few simple clicks. Simple and fast loan application processes, seamless, hassle-free claim-settlements, no cost EMIs, 4 hours product delivery and numerous other benefits. Loans, Insurance, Investment and an exclusive EMI store, all under one roof – anytime, anywhere!