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Health Insurance for Flood Victims Research Team | Posted On Wednesday, August 14,2019, 04:16 PM

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Health Insurance for Flood Victims



Health Insurance for Flood Victims

Floods have taken several lives in India. The floods have destroyed property, crops and spread several diseases. During the floods or soon after floods; people residing in flood-affected areas require urgent medical care. Let’s take a look at the importance of a health insurance plan; at the time when India is prone to floods.

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See Also: Fear medical test in health insurance policy

Health insurance for Flood Victims

Floods in India 2019:

As many as 10 States in India have been affected by floods due to the heavy rains. The monsoon floods continue to wreak havoc in several states claiming lives, displacing the population, damaging property as well as spreading water-borne and vector-borne diseases.

The heavy monsoon rains caused landslides and complete shutdown of private and public transport in several states in India. The floods in Northern Karnataka displaced 5 Lakh people, who are now housed in relief camps.

The floods in Vadodara led to the complete shutdown of the public transport facility, with people trapped at workplaces and homes submerged. Crocodiles have entered the city and attacked street dogs. Several crocodiles have been trapped, preventing further loss of life.

  • More than 225 people killed and 12 Lakh people displaced in floods in Kerala, Karnataka, Gujarat and Maharashtra.
  • Madhya Pradesh has a high rain alert in 28 districts.
  • Rains have wreaked havoc in Uttarakhand with houses and bridges washed away.
  • Wayanad in Kerala has been severely hit by floods.
  • Chikmagalur, Sakleshpur, Kodagu, Shivamogga and places in Uttara Kannada have been severely damaged in the floods.

Diseases spread with floods:

Floods damage residences and people are forced into relief camps. The aftermath of a flood is stagnant water; which increases the risk of falling prey to water-borne and vector-borne diseases (Diseases like dengue, malaria which are spread through mosquitoes).

The flood increases the risk of infection; like the floods in Bengal led to diseases like cholera and diarrhoea. The recent floods in Vadodara, North Karnataka, Kerala have landed several people in hospitals. Due to contamination of drinking water sources, people suffer from typhoid, cholera, diarrhoea and jaundice.

How to stay safe and healthy during floods?

  • Promote good hygiene
  • Consume good, clean and healthy foods
  • Drink boiled or chlorinated water
  •  Early medication or diagnosis in case of any disease.

Importance of health insurance in floods:

Your family is the most important part of your life and keeping them safe and secure during natural calamities like floods, is a primary duty. Get a health insurance plan which looks after costly hospitalization, if you fall prey to water-borne diseases.

Experts say that incidents of natural calamities like floods in Assam, Kerala, Karnataka and Vadodara; prove that people must insure themselves. Health insurance helps protect your family from financial setbacks; if any family member contracts a disease or in case of any injury.

The floods victims suffer heavy financial losses which drain out life savings; like the Kerala floods led to heavy loss of property. Availing quality treatment in such scenarios may be difficult if you don’t have a health insurance in place.

Health insurance ensures your family members receive quality medical treatment at the best hospitals. These plans offer the cashless facility; which means you don’t pay a single rupee from your pocket. ATMs and banks are generally submerged during heavy floods and cashless health insurance plans are a life saver.

Getting a health insurance plan soon; helps tackle the health risks of floods. You can secure your family members by purchasing a family floater health insurance plan.

See Also: IRDAI Directs Insurers to Settle Flood Claims Quickly

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