Claim Assistance
Get In Touch
Keep Your Home Germ-Free During Monsoon
Nov 23, 2023

5 Easy Tips To Keep Your Home Germ Free During Monsoon + Insurance Benefits

For many people in India, monsoon season is a sign of relief from the scorching summer heat. However, it also ushers in a host of health concerns, especially when it comes to maintaining a clean and germ-free home. During this time, it's crucial to ensure your living space is a safe haven for you and your family. Not only does this contribute to your well-being, but it can also have implications for your health insurance, home insurance, and even Travel insurance. Let’s explore 5 easy tips to keep your home germ-free during the monsoon, while also shedding light on how these practices can benefit you in the insurance sector.

Negative Effects of Monsoon

Flood Damage

Monsoons often bring heavy rainfall and the risk of flooding. In standard home insurance policies, Flood damage is not included in the coverage. Homeowners need to purchase separate home insurance to protect their properties from such natural disasters. Neglecting this coverage can lead to significant financial losses if your home sustains flood-related damages during the monsoon season. Claims are subject to terms and conditions set forth under home insurance policy*

Travel Disruptions

Monsoons can disrupt travel plans, leading to flight cancellations, delays, or road closures. Travel insurance policies usually cover trip cancellations or interruptions due to unforeseen events, but travellers often need to purchase comprehensive coverage that includes weather-related disruptions. Failing to do so may result in non-refundable expenses for cancelled trips or stranded travellers in need of additional accommodations. Claims are subject to terms and conditions set forth under travel insurance policy*

Increased Health Risks

Monsoon season can lead to an uptick in waterborne diseases, viral infections, and vector-borne illnesses. These health risks can necessitate medical treatment and hospitalization. Without adequate health insurance, individuals may face high out-of-pocket costs for medical expenses, including doctor's visits, medications, and hospital stays. It's crucial to have comprehensive health insurance to mitigate these financial burdens during the monsoon season. Claims are subject to terms and conditions set forth under health insurance policy*

Tips For A Germ Free House During Monsoon:

Here are a few tips to keep your home germ free in the monsoon season:

Keep Footwear Outside The House:

One of the simplest yet highly effective ways to prevent the entry of germs into your home is to leave footwear outside. The muddy and wet conditions during monsoon can carry various disease-causing microbes into your living space. By establishing a "no footwear indoors" rule, you not only maintain a cleaner home but also potentially reduce the risk of infections. This proactive approach to cleanliness can indirectly contribute to your health insurance, as it may lead to fewer medical claims.

Empty Vessels With Stagnant Water:

Stagnant water is a breeding ground for mosquitoes and other disease vectors, especially during the monsoon season. Ensure that all vessels, containers, and utensils collecting water are emptied and dried promptly. It not only keeps your home mosquito-free but also minimizes the risk of waterborne diseases. In the context of home insurance, this practice can help prevent water-related damages that might otherwise necessitate a claim.

Properly Pack All The Garbage:

During the rainy season, garbage bins can become a source of foul odours and germ proliferation. Make it a habit to dispose of waste in sealed bags and containers to prevent the spread of germs and the attraction of pests. By doing so, you reduce the chances of damage to your property, which can be beneficial from a Home insurance perspective.

Close The Windows After Sunset:

While fresh air is essential for a healthy home, it's crucial to be mindful of the time you keep your windows open during monsoon. In the evening, when mosquitoes are most active, ensure that windows and doors are properly closed or have mosquito nets installed. This practice not only helps in keeping your home free from pests but also reduces the risk of vector-borne diseases. This aspect of home hygiene can indirectly influence your health insurance, as a healthier living environment can lead to fewer health issues and claims.

Regularly Disinfect All The Surfaces:

Maintaining cleanliness in your home goes beyond just visible dirt and clutter. If a surface is frequently-touched, make sure it is properly disinfected on a regular basis. These surfaces can include doorknobs, light switches, and countertops. Use appropriate disinfectants to kill germs effectively. By doing so, you create a safer living environment for your family, potentially reducing the need for health insurance claims related to illnesses.


In conclusion, keeping your home germ-free during the monsoon season is not only essential for your family's well-being but can also have implications for your insurance needs. These simple yet effective tips not only create a healthier living space but can also contribute to fewer health and home insurance claims in the long run. Moreover, maintaining a clean and hygienic home may even help you qualify for better insurance rates. So, as the monsoon approaches, remember these tips to safeguard your home and your loved ones. * Standard T&C Apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

Was this article helpful? Rate it

Average rating 5 / 5. Vote count: 18

No votes so far! Be the first to rate this post.

Like this article? Share it with your friends!

Share Your Thoughts. Leave a Comment Below!

Leave a Reply

Your email address will not be published. All fields are required