ManipalCigna Health Insurance has reported a significant increase in respiratory-related claims during the winter months, with a 321% surge between 2020 and 2024. This four-fold increase highlights the growing impact of worsening winter air quality across the country. The company’s six-year analysis shows that respiratory conditions account for 18.8% of all seasonal disease-related claims during the winter months, with chronic obstructive pulmonary disease (COPD) and asthma being the leading causes.
The data reveals that Tier 2 and Tier 3 cities are disproportionately affected, accounting for over 84% of all respiratory claims. Among metropolitan cities, Delhi NCR has the highest percentage of respiratory claims at 6.5%, followed by Bengaluru and Mumbai at 4.5% and 4.2%, respectively. This suggests that pollution-linked respiratory conditions are not limited to North India, but are a nationwide concern.
The findings underscore the rising respiratory vulnerability across the country, affecting not only major metros but also emerging urban centers. Dr. Vidyadhar Dhaware, Head of Claims and Provider Network at ManipalCigna Health Insurance, notes that the increase in respiratory diseases during the winter months closely mirrors the increase in smog and particulate pollution. He emphasizes that polluted air weakens the lungs’ natural defense system, making individuals more susceptible to infections and complications.
The most vulnerable populations include children, the elderly, and people with pre-existing respiratory conditions. To mitigate the risks, Dr. Dhaware recommends limiting outdoor exposure, using protective masks, improving indoor air quality, and seeking timely medical care if symptoms escalate. The data highlights the need for increased awareness and proactive measures to address the growing burden of respiratory diseases in India, particularly during the winter months. Overall, the report suggests that the worsening air quality in India is having a significant impact on public health, and urgent action is needed to address this critical issue.