Insurance Plans To Invest In Summer: Find Out

It’s that time of year again when the sun blazes like an atomic bomb. Though it's only the beginning of summer, heatwaves have already become a cause for discussion due to its destruction. According to a recent study, India is in the danger zone of being affected by the heatwaves. 

Deaths from extreme heat have increased by 55% in India between 2017-2021. According to stats, recently, 12 people lost their lives due to heatstroke, and many were hospitalized in Maharashtra. These facts are not to scare you but a sign for you to invest in insurance. This is to ensure your financial well-being is maintained even in times of heatwave distress. Let’s dive into the details! 

How Does Heatwave Impact You? 

Heatwaves can adversely impact the health of an individual. Scorching summers and excessively hot days can lead to dehydration, heat exhaustion, and, in some cases, a heatstroke. Mostly, children and elderly people with critical illnesses like diabetes or heart problems are at high risk. 

Besides physical health, heat waves can also negatively affect the mental health of an individual. Therefore, more people may experience mood or anxiety disorders, schizophrenia, or dementia. The major impacts of a heatwave are on labourers working in open areas, students attending classes without proper ventilation and air conditioning, and working professionals involved in travelling from one place to another.

Best Insurance to Invest In Summers?

Insurance secures you against unforeseen financial emergencies. Here are some of the insurance products in which you should invest this summer. 

• Health Insurance: As heatwave causes numerous health conditions like heatstroke, it is crucial to invest in health insurance this summer. It is an insurance plan that secures policyholders financially against medical emergencies. 
• Life Insurance: Excessive heatwave can cause fatalities, as did in the above-mentioned case of Maharashtra. Therefore, it is important to purchase life insurance to secure the future of our loved ones. It is an insurance plan that financially secures the family of the life assured in case of his or her demise.
• Motor Insurance: Similar to humans, your vehicle may also require care and maintenance during summer. Hot weather can disrupt the functioning of your vehicle. Thus, it is advisable to buy a comprehensive motor insurance policy for your car or bike. It will protect your vehicle against loss or damage that happens because of a heatwave during summer. 
• Pet Insurance: Your four-pawed friends may also impact by heatwaves. Warm weather and high temperature can cause dehydration and heat stroke in pets. Henceforth, this summer make sure that your invest in pet insurance. This will let your furry family receive high-quality medical care without burning a hole in your pocket. 

Why Invest in Insurance During Summers?

There are many reasons to invest in insurance during the summer. Some of them are as follows: 

• Financial Security: Whether your loved one's impacted by a heatwave or your dearest vehicle, investment in insurance will provide a sense of financial security for both you and your family during these tough times. 
• Peace of Mind: Insurance shields policyholders just like a mother protects their little kid. Therefore, having the assurance that an insurance provider will pay the bills in the case of a financial emergency will give you peace of mind. 
• Safety of Loved Ones: The impact of a heatwave can be minor or maybe worse, resulting in death. So, purchasing insurance will enable you to plan for the future of your loved ones. An insurance company like InsuranceDekho will ensure that your family get financial assistance even when you are not around them. 
• Emergency Medical Aid: If you buy a health insurance policy, you have access to the extensive network of hospitals that are associated with an insurance company.  During any medical emergency, you can visit the nearest network hospital and avail of cashless treatment.

Best Summer Tips to Beat the Heat

Here are some tips to follow during this summer season. 

• Intake Fluids: Drinking plenty of water is essential during the summer months, especially when you spend more time outside in the heat. Always carry a water bottle with you wherever you go and keep drinking water throughout the day. In addition to this, a heatwave can make the fluids in the car thinner or sometimes evaporate them. Therefore, make sure that transmission fluid, power steering fluid, coolant, and other fluid levels are all at or above the recommended levels. 
• Protect Skin: The harmful UV rays of the sun can cause skin damage. Thus, always use sunscreen with at least SPF 30 to protect your skin while going outside in the heat. Also make sure that you wear protective clothing like sunglasses, hats, and long sleeves to shield your skin from the sun. Furthermore, your vehicles also require the same care and maintenance during a heatwave. Therefore, to reduce loss or damage, park your car in a protected area with a cover over it. 
• Keep Surroundings Cool: If you are spending time outside, try to stay in the shade or wear a hat to protect your head from the sun. Even park your vehicle in cool surroundings to ensure that it does not affect by excessive heat.  
• Eat Right: Both alcohol and caffeine have diuretics which increase the dehydration level in the body. Therefore, it is best to avoid caffeine during the summer. However, summer is the perfect time to enjoy fresh fruits and vegetables like berries, melons, and cucumbers. Thus, one of the best summer tips is to eat more of these foods as they are loaded with nutrients and are a great way to stay healthy. 

Wrap Up 

In conclusion, heatwaves can adversely impact your health. Therefore, investing in these insurance plans will keep you protected against any unforeseen financial emergency. Furthermore, remember to keep yourself, your loved ones, and your vehicle safe during a heatwave by keeping these summertime tips in mind. 

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