After Cyclone Michaung wreaked havoc across Tamil Nadu, people may be left vulnerable to health risks, and the spotlight is now on accessible healthcare. Seventeen people died in Chennai due to rain-related incidents and over one lakh people took refuge in relief camps and budget hotels. With significant population displacement comes the risk of infections. Also, proper coverage through home and motor insurance policies, with particular add-ons, is very helpful in ensuring comprehensive protection from such natural calamities.