How to Protect Yourself with Health Insurance Against Respiratory Diseases Caused by Increasing Air Pollution


5 min read

The quality of air continues to deteriorate in India, especially in the northern region with the air quality index (AQI) in the critical category. This has increased the need for health insurance policies amidst rising concerns about the effects of air pollution on human health.  

Breathing in polluted air is the cause of several respiratory issues and other diseases, which require a doctor’s attention. Moreover, it also requires the family of the sick to churn out a hefty amount for the treatment of the patient. The best option is to opt for a comprehensive health insurance plan to secure your savings and get coverage for the best treatment.

PayBima Health Insurance Advisor & Consultant

Diseases Caused by Air Pollution

Here are some illnesses that get aggravated due to the rising pollution levels:

  • Air pollution may give rise to severe conditions for Chronic Obstructive Pulmonary Disease (COPD)
  • Quality of air may be the reason for your aggravating Asthma and Bronchitis
  • Air pollution may also trigger instances of Cancer and Cardiovascular conditions
  • It may Inflame Blood Vessels leading to strokes and heart complications
  • It may also cause various Lung disorders and Skin allergies
  • May also cause Breathing issues and Eye irritations

Also Read:-  Diseases Caused by Air Pollution

How to Protect Against Respiratory Diseases Caused by Air Pollution? 

Below are some tips to protect yourself and your family against the health effects of air pollution, especially respiratory diseases caused by air pollution:

  • Wear anti-pollution marks whenever you step out to filter the particulate matter in the air
  • You may use air purifiers in your house to clean the air you breathe
  • Limiting exposure to polluted air, especially for people with chronic respiratory diseases is important for limiting health risks
  • And most importantly obtaining a comprehensive health insurance plan to protect you and your family against healthcare emergencies and hospitalization costs.

What Kind of Policies Can Secure You Against Pollution-Borne Diseases?

The alarming air quality index and its associated health concerns require each member of a family to stay protected under a comprehensive health plan. The best policies in this scenario are the ones that offer OPD coverage. With OPD coverage, you can expect your plan to cover you against expenses for doctor fees, medicine bills, and diagnostic tests required for the treatment of conditions like dry coughs, chest and throat infections, as well as eye and skin allergies.

Besides, you should look for a plan that offers coverage for ICU expenses and critical diseases along with a wide number of network hospitals for cashless treatment in your vicinity.

Let us take a look at some of the best plans of health insurance covering pollution-related diseases to protect you against several respiratory and other illnesses.

Top 5 Policies to Rely on to Ensure the Best Care Against Diseases Caused by Poor Air Quality

Below are some of the best policies that you can opt for to cover your OPD and other charges in the current scenario:

Plan Name

Who is Eligible? Sum Assured 

Number of Network Hospitals 

Aditya Birla Activ Assure Diamond Policy

Entry age – 18 years and above

Children – 91 days to 25 years

INR 2 lakh – INR 2 crore


Care Health Insurance Plan

Entry age – 18 years and above

Children – 91 days and above

INR 3 lakh – INR 75 lakh


Digit Healthcare Plus Policy

Entry age – 18 years and above

Children – 91 days and above

Up to INR 3 Crore


Bajaj Allianz Health Care Supreme

Entry age – 18 years and above

Children – 3 months to 25 years

INR 5 lakh – INR 50 lakh


Future Generali Health Total 

Entry age – 18 years and above

Children – 1 day to 25 years

INR 3 lakh – INR 1 Crore


Health Insurance from PayBima

1. Aditya Birla Activ Assure Diamond Policy

Features Aditya Birla Activ Assure Diamond Policy:

  • Cashless treatment at network hospitals
  • Cashless OPD benefits to avail cashless expenses against diagnostic tests, medications, Doctor consultations, etc.
  • No room rent capping
  • Covers AYUSH treatment
  • Option of Sum Insured restoration
  • Coverage for Daycare procedures and more

2. Care Health Insurance Plan

Features Care Health Insurance Plan:

  • Coverage against critical illnesses
  • Cashless claim benefit
  • Customized plans at reasonable rates
  • Coverage for expenses of hospitalization
  • OPD cover, and more

3. Digit Healthcare Plus Policy

Features Digit Healthcare Plus Policy:

  • Covers hospital room rent
  • Covers ICU charges
  • Includes physician/doctor fees
  • Offer coverage against medication charges
  • Includes diagnostic costs
  • Covers OT expenses
  • Allow coverage for Daycare procedures
  • Pre- and post-hospitalization coverage
  • Also covers road ambulance, dental procedures, second medical option, and more

4. Bajaj Allianz Health Care Supreme

Features Bajaj Allianz Health Care Supreme:

  • OPD coverage
  • AYUSH treatment coverage
  • Cashless treatment at a wide network of hospitals
  • Daycare Procedure coverage
  • Dental treatment
  • ICU expenses
  • Pre-existing diseases
  • Covers congenital anomaly (conditions that a person is born with), and more

5. Future Generali Health Total 

Features Future Generali Health Total:

  • Allow coverage against Daycare procedure
  • Organ donor expenses
  • Road ambulance charges
  • Domiciliary hospitalization expenses
  • AYUSH treatment coverage
  • Cover ICU charges
  • Covers OPD expenses
  • Room rent expenses
  • Critical illness benefits, and more

Popular Health Insurance Companies India, 2023


The current scenario of growing air pollution levels, especially air pollution in Delhi, is such that one must acquire a comprehensive health insurance policy for extensive coverage against medical emergencies. The insurance market has several all-inclusive beneficial plans offered by the best insurance companies in the country. However, it is important to check for the particular features you are looking at in the current context to choose your plan.

Review the benefits and features of policies and compare them with other similar plans to finalize the one option to suit your needs. Coverage against critical diseases is especially important in handling several grave illnesses. Make sure that the health insurance for your parents includes critical illness coverage.

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Nov 14, 2023
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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