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The sound of pouring water, the fragrance of wet soil, pakoda, and tea a perfect monsoon mix for every Indian. Monsoon comes as a relief from the scorching and sweaty summers but often leaves behind a trail of losses. Water-logging, weak drainage systems, and high humidity develop germs and mosquitoes and lead to severe communicable diseases. The growth of bacteria and fungus causing infections such as influenza, pneumonia, asthma, typhoid, hepatitis, conjunctivitis, leptospirosis, malaria, and dengue. As medical inflation is rising, one-time hospitalization can cause you lakhs of rupees and derails your finances. Therefore, with some monsoon health tips, you also need an umbrella of comprehensive health policy to enjoy every this rainy season. Let's see how it is helpful.
Benefits of Health Insurance Policy
Unforeseen illness can cause an unexpected financial blunder during rains. Thus, to play safe, invest in the right medical insurance policy. Read below the benefits offered by Care Health Insurance:
- Extensive coverage against communicable and non-communicable diseases
- Coverage for advance treatment and cover AYUSH treatment as well
- Immediate cashless hospitalization during a medical emergency
- Adequate sum insured at an affordable premium
- Add-ons benefits like no claim bonus super, global coverage, international second opinion, reduction in PED wait period, etc.
- Ambulance cover, organ donor cover, and coverage for domiciliary hospitalization
- Cover number of daycare procedures
- Avail tax benefits under section 80D of the Income Tax Act of India 1961
How to File a Claim Under Health Insurance in Monsoon Season
You do not need to worry if you have opted for our hand-picked medical insurance product-Care. Our claim process is simple and quick. You can file claims in two ways, either cashless or reimbursement. In both cases, you have to inform within 24 hours after hospitalization during emergencies and 48 hours before for planned admission. Below are the easy steps:
Claim Process for Cashless Hospitalization
Under cashless hospitalization follow the simple steps:
- Get admitted in the network hospital near to your residence
- Fill the pre-authorization form available at the hospital's insurance desk health and send us through fax.
- Submit all the required documents along with the form
- Our claim management team verify your documents and send you an approval letter
- The claim management team may raise the query
- After approval, we pay your hospitalization bills directly to the network hospital
Claim Process for Reimbursement
Under reimbursement, you need to follow below steps:
- Fill claim reimbursement form and attach all the required documents
- Submit the other the required documents as per the policy terms and conditions
- The claim management team may raise the query
- Once they cross-check and verify the documents, you will get an approval letter
- After approval, we will reimburse your hospitalization expenses up to the sum insured
Some Monsoon Health Tips
Along with health insurance, you should also take some precautions in the rainy season. Your quick monsoon health tips are:
- Maintain personal hygiene
- Wash your hands in every hour for 20 seconds
- Wear clean and cotton clothes
- Drink boiled water
- Consume ginger, cardamom, cinnamon, and clover to build immunity
- Avoid eating outside specifically street food
- Do not drench in the rains
So, if you are still waiting for a good time to opt for an individual health insurance policy, then monsoon is the right one. However, a medical emergency can occur during any season. Our exclusive health policies give you comprehensive coverage and protection to enjoy every bit of this monsoon worry-free.
Disclaimer: Underwriting of claims for water borne diseases is subject to policy terms and conditions.
