Home / Health / Pollution Spike: Health Cover Urgently Needed
Pollution Spike: Health Cover Urgently Needed
3 Dec, 2025
Summary
- Pollution-linked health claims rose 15%, children under 10 are most affected.
- Under-insurance is a growing concern due to rising medical costs.
- Base health policies cover pollution illnesses; adequate sum insured is key.
The escalating pollution crisis in India is driving a significant rise in health insurance claims for breathing and lung-related ailments. Data reveals a 15% increase in such claims, with children under 10 accounting for a concerning 43% due to their higher susceptibility to poor air quality. This trend is now widespread across major cities, not just Delhi.
Experts emphasize that under-insurance is a major concern, as rapidly increasing medical expenses often surpass salary increments. Pollution-induced illnesses frequently necessitate prolonged hospital stays, leading to higher average claim amounts. Therefore, individuals are advised to secure a substantial sum insured, considering their future medical needs over the next 10 to 15 years.
Despite the worries, base health insurance plans do provide coverage for pollution-related conditions. The key lies in selecting an appropriate sum insured, ideally between ₹10 lakh and ₹1 crore, which offers better long-term protection at a surprisingly minimal additional cost. Transparency regarding pre-existing conditions remains crucial for effective claim settlement.
