Your Monsoon Preparation Is Incomplete Without These 4 Insurance Covers

The rainy season, or the monsoons, can be a delight, but not all the time. Heavy downpours can cause damage that is covered by insurance. Monsoons bring along a series of water-borne diseases and vector-borne diseases as well, calling for the need for health insurance. Engine breakdowns, waterlogging, and accidents are at an all-time high during monsoons, meaning the importance of vehicle insurance is a priority. Let us go over the important insurance plans you should have in the monsoons.

Here’s the top 4 insurance plans that ensure you can enjoy the season without any stress:

1). Vehicle Insurance:

Motor or Vehicle Insurance is a mandatory document under the Motor Vehicle Act 1988 to be able to drive on public roads of India. Although a third-party vehicle insurance policy is not enough to cover damages or repairs that arise due to the downpours. Most Indian states have an ample amount of rainfall every year. Although rainfall is a boon, many times it can cause floods, waterlogging, and potholes. These are a major threat to all types of vehicles. Here is how vehicle insurance such as four wheeler insurance and two wheeler insurance can help you out in the monsoons:

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Coverage

• A comprehensive automobile insurance policy will cover damages incurred to the vehicle in a natural disaster, such as floods
• Vehicle insurance covers any liabilities that arise from an accident caused due to bad weather
• The repair costs will be covered through a network garage or as per policy, which is essential in the rain

Benefits

• Have peace of mind while driving
• Get financial support in case of an accident, or if your vehicle breaks down due to rain or floods
• Comprehensive motor insurance covers more than natural calamities, with protection from monsoon, you also get protection against theft, man-made hazards, personal accident covers, etc.

Suitable add-ons

• Zero-Depreciation Cover
• 24x7 Roadside Assistance
• Engine Protection
• Gear Box Protection

2). Health Insurance Policy:

The humidity and temperature changes characteristic of the monsoons also serve as a breeding ground for the growth of germs, mosquitoes and microorganisms. These can cause a number of illnesses like typhoid, malaria, dengue, chikungunya, viral fever and diarrhoea.

The increasing water-borne and vector-borne diseases during monsoon call for a need for health insurance. Here is why health insurance is absolutely essential, especially during monsoons

Coverage

• Aid for seasonal illness
• Aid for critical illness
• Hospitalisation costs
• Daycare procedures
• Ambulance costs

Benefits

• Peace of mind during high-risk season
• Financial stability in case you fall ill
• Protection against critical illnesses like pneumonia
• Access to quality health care
• Special protection against vector-borne diseases like dengue and malaria

Types of Health Insurance

• Family Health Insurance

Get your entire family insured, and it is specially beneficial in case of food poisoning due to contaminated water (Common in monsoon)

• Critical Illness Health Insurance

Leptospirosis or severe dengue are common monsoon infections that fall under this category. Critical health insurance ensures protection against such diseases

• Disease Specific Plans

Having protection against specific diseases, like dengue and malaria, in the monsoon season is extremely beneficial and helps save costs.

3). Accident Health Insurance

This season brings with it issues like waterlogged streets, potholes and slippery roads. These could cause several accidents, making it important for you to safeguard yourself against accidents.

Personal Accident Cover ensures that if the driver or rider of the car gets injured, disabled, or dies, they or their kin are compensated. PA cover has been mandated by IRDAI and is an extremely important aspect of vehicle insurance during monsoons. Monsoon records the highest number of accidents out of any season, calling a need for PA Cover.

Coverage

• Get damages covered up to ₹15 lakhs
• Death or disability arising from an accident of the policyholder is covered

Benefits

• Ensures financial compensation in a dire situation
• Get financial assistance for treatment against disabilities
• Next of kin gets monetary support in case of an unfortunate event

4). Home Insurance

Every year, we hear reports of water damage in properties, leading to massive repairs and even bigger bills arising from it. During monsoons, your property is under threat from problems like exterior wall damage, roof leakage, drainage issues, damage caused to furniture, carpet and other belongings. Having Home insurance ensures financial support from such damages.

Coverage

• Water Damage

Caused by roof leaks, flooding, or seepage

• Short-Circuits and Electrical Fires

Due to water intrusion

• Wall and Structural Damage

From excessive rain or fallen trees

• Furniture and Appliance Damage

Because of leaks or electrical surges

• Temporary Accommodation

If your home becomes uninhabitable

Benefits

• Financial Protection

Covers high repair/replacement costs caused by weather damage

• Peace of Mind

You’re protected against unpredictable weather events

• Quick Restoration Support

Helps with immediate repairs and emergency accommodations

• Asset Security

Protects valuables like electronics, furniture, and appliances from moisture and power-related damage

• Covers Natural Calamities

Storms, floods, and landslides (depending on plan)

Types

• Building Insurance

Covers the physical structure of your home from rain, water damage, landslides, etc. Especially crucial for homeowners in flood-prone areas.

• Contents Insurance

Protects valuable household items (electronics, furniture, appliances) from damage due to leaks or short circuits.

• Comprehensive Home Insurance

Covers both structure and contents—best suited for all-around monsoon protection.

Final Thoughts

It’s always better to be prepared than to have to deal with emergencies without aid. The monsoon season, though beautiful, can also lead to a number of issues that will cause mental, physical and financial stress. That is why securing yourself against these issues can help take away some of that stress. For any aid in getting yourself secured, you can head to Coverfox - one of India’s leading insurance broking portals. Our team of insurance experts can help you through all the stages of the insurance process.

Also Read: Benefits of Buying Health Insurance Online

Frequently Asked Questions