Common problems include the emergence of waterborne or viral diseases, seizure of engines by engines due to their jamming in floods and excessive damage to the property and its contents in the event of flooding.

The monsoon can certainly be a delightful season. But, although the rains provide a respite from the intense heat, they often leave a trail of losses.
To really enjoy the rainy season without thinking about financial setbacks, you need to protect your health, your vehicle and your home by using the right combination of insurance coverage.

With the onset of the rainy season, it becomes imperative to protect oneself and one's family against diseases such as diarrhea, dengue, viral fever, typhoid, malaria and chikungunya, which are among the most most common reported in hospitals. The cost of treating dengue fever is enormous, as most private hospitals in India charge between ¥ 10,000 and ¥ 15,000 for platelet separation.

If a patient is transfused up to four times, he or she must spend at least ¥ 40,000 to get platelets.

Patients who have spent up to 2,000 lakh for dengue treatment have also had more than four platelet transfusions. The treatment of the disease takes about 8 to 10 days and the rent of a room in a suitable hospital often exceeds 1 ¤ lakh.

Dengue fever is one of the most common diseases for which there are fixed benefit plans such as those offered by Apollo Munich (Dengue Care), Bajaj Allianz (M-Care) and DHFL (Pramerica Dengue Shield). You must buy one at the earliest because most of these policies have a waiting period of 30 to 45 days from the date of issue of the policy. The waiting time varies considerably from one product to another and from one insurer to another.

There are some exceptions, such as Max Bupa's Heart Beat plan, which does not provide for a specific disease-specific waiting period for people under 45 years of age.

During the monsoon season, the number of claims related to auto insurance increases significantly due to the penetration of water into the engine of the vehicle or due to an accident due to water saturation.
When buying a home insurance policy, you must remember to invest in a plan that not only protects the structure of your property, but also provides adequate coverage of its contents. Many insurers have introduced jewelery and valuables, personal electronics and appliances under the policy.