Worsening air quality may lead to increased health insurance premium costs as it can cause a range of health problems, from respiratory issues to cardiovascular diseases, resulting in higher medical claims and expenses for insurance providers, which may be passed on to policyholders in the form of higher premiums.

The air quality in many Indian cities, particularly in the north, has become a significant concern, with cities like Delhi, Mumbai, and Kolkata consistently recording severe air quality indexes (AQI) throughout the year. This has led to an increase in pollution-linked...