Under present Delhi pollution, health insurance companies can charge up the premium by more than 5% nationally

If the claims data in Delhi-NCR show an abnormally high level of hospitalization and respiratory disorders, health insurance companies can charge up the premium by more than 5% nationally.

For insurance companies, the other alternative is to tighten Delhi-NCR underwriting procedures by insisting on comprehensive health check-ups before onboarding customers. In a smog-hit Delhi and surrounding areas, there is a high risk of heart dise....