How are Indian insurers responding to the rise in pollution-related health claims?

Insurers in India are incorporating air pollution as a risk factor into their underwriting and pricing models, and exploring specialized products, riders, and preventive health features to address the growing challenge of pollution-triggered illnesses.

What types of health conditions are seeing a seasonal spike in claims due to air pollution?

Insurers report a marked increase in claims for respiratory illnesses such as asthma, COPD, and bronchitis during high-pollution months, especially in northern India.

What advice do experts have for policyholders with pre-existing respiratory or cardiac conditions?

Experts recommend that policyholders with pre-existing conditions ensure full disclosure, maintain policy continuity, and opt for comprehensive coverage in high-pollution regions.

Home / Health / Insurers Adapt Policies as Air Pollution Drives Health Claims Spike in India

Insurers Adapt Policies as Air Pollution Drives Health Claims Spike in India

13 Nov, 2025

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Summary

Insurers factor worsening air pollution into product design and pricing
Respiratory and cardiac illness claims rise during high-pollution months
Insurers explore specialized pollution-linked products and wellness features

Insurers Adapt Policies as Air Pollution Drives Health Claims Spike in India

According to the latest industry data, India's health insurers are grappling with a steady increase in hospitalization claims linked to respiratory and cardiac illnesses, which they attribute to worsening air pollution across major cities. This trend has prompted insurers to factor environmental risks more prominently into their product design and pricing strategies.

Insurers report a marked seasonal pattern, with a notable spike in claims for conditions like asthma, COPD, and bronchitis during high-pollution months, especially in northern India. While these cases are typically classified under standard respiratory categories, insurers are now more actively incorporating pollution as a risk factor into their actuarial models and premium calculations.