In polluted areas like Delhi-NCR, health insurance claims are increasing so rapidly that insurance premiums may become more expensive in the future. Air Pollution related claims will increase from 6.4% in 2022 to 9% in 2025 i.e. a jump of 14%. In September 2025 alone, 9% hospitalizations are linked to pollution related diseases. The diseases: shortness of breath, heart issues, eye irritation, skin allergy Shock: Children below 10 years = 43% claims! This is 5x more than any other age group. Adults (31–40): 14% Seniors (60+): 7% Cost impact The cost of treating breath & heart diseases increased by 11% last year. Average air-pollution health insurance claim: ₹55,000 Average hospital cost: ₹19,000 per day Cities Most Affected: Delhi leads in Claims Ratio high: Bengaluru, Hyderabad Cases are also increasing rapidly in Tier-2 cities like Jaipur, Lucknow, Indore. Meaning the impact of pollution is failing even beyond the metros. In VIDEO we will breakdown how air pollution is silently increasing your health bills, insurance premium and hospital costs.

A major relief news has come out for the insurance holders. The historic decision taken at the 56th GST Council meeting will now be applicable from 22 September 2025, under which 18% GST on health and life insurance has been completely abolished. Now whether you buy Term Life, Ulip, or Endowment Policy – All you have to give is BASE Premium, without any additional tax. As an exercise, GST of ₹ 36 was added to the first ₹ 200 Premium and had to pay a total of ₹ 236. Now the same policy will be available for just ₹ 200. This will make insurance more accessible and economical, especially for the middle class and senior citizens. This decision will strengthen the “Insurance for All by 2047” Vision of the Government of India. According to HSBC’s report, the Health Insurance Premium may decrease by up to 15%. After this news, HDFC Life, SBI Life, LIC and ICICI PRUDINIL were seen in Insurance Stocks like PRDINIL.