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Here's How A Monsoon Insurance Policy Can Help You Manage Medical Expenses

  • Highlights

  • Monsoon sees a spike in diseases and road accidents

  • A monsoon insurance can ease the financial burden

  • It provides coverage for related medical expenses

  • You can also get coverage for hospital room charges

The monsoon offers respite from the sweltering heat, but it is also a worrying season for many. While you may be able to tackle a cold, flu, cough, and fever with rest and minimal treatment, diseases like dengue and malaria need greater care, sometimes even hospitalisation. Moreover, strong winds and severe downpour can cause other problems. For instance, floods, landslides, lightning, and debris increase the probability of road accidents during the rainy season. To prepare for all such situations, buying a monsoon insurance policy is important.

For example, the Monsoon Insurance from Bajaj Finserv offers coverage up to Rs. 50,000 at just Rs. 649 in case of personal accidents and vector-borne diseases like dengue and malaria. This policy is designed to be affordable and cover specific incidences that traditional insurance policies may not cover.

To know more, take a look at the ways in which this Monsoon Insurance cover can come to your rescue.

Get coverage for diagnosis and hospitalisation expenses

Both malaria and dengue cause high fever, nausea, vomiting and body pain. While you may be able to distinguish between the two by looking at the symptoms, clinical diagnosis is the key to timely medical intervention. For dengue, this tends to take the form of dengue serology testing, while in case of malaria, the testing includes microscopy and rapid diagnostic tests.

A monsoon insurance covers diagnostic expenses both during and before hospitalisation. What’s more, this cover takes care of your doctor’s consultation charges before, during, and after hospitalisation. All in all, you can be covered for hospitalisation expenses up to Rs. 50,000 irrespective of whether you are suffering from malaria, dengue or need to treat injuries owing to a rain-related accident.

Medical bills before, during, and after hospitalisation covered

For diseases like dengue, out-patient care is of utmost importance. Since a regular medical insurance policy is most likely to not cover these costs, an additional monsoon diseases insurance policy proves to be cost-effective. It allows you to pay for expenses incurred 15 days before and after hospitalisation.

In case of dengue, treatment includes analgesics, while for malaria it includes anti-parasitic and antibiotic drugs. Severe cases may also need hospitalization. In case of an accident, you may need treatment for any injuries suffered. A monsoon insurance cover helps you take care of the associated costs easily.

Additional Read: Monsoon Season: 5 Tips To Stay Healthy & Safe

Pay hospital room rent without any hassles

Another benefit of having a health insurance for monsoon diseases is that you get financial assistance to pay for the hospital room rent. For instance, with Monsoon Cover offered by Bajaj Finserv, you get coverage of Rs. 1,000 per day for regular rooms and up to Rs. 2,000 per day in case you are in the ICU.

Hence, you get comprehensive coverage when you buy a Monsoon Insurance offered under the Pocket Insurance & Subscriptions category by Bajaj Finserv. You can apply for the Monsoon Insurance easily by filling up a simple application form online and making the payment instantly. The entire process is hassle-free and allows you to enjoy the monsoon season without any worries.

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