Monsoon respiratory infections: What your health insurance covers and when claims may be denied

Health insurance covers hospitalisation for severe respiratory infections like pneumonia or bronchitis, but not mild cases treated at home.

Outpatient consultations and over-the-counter medications are typically not covered unless the policy includes OPD or domiciliary treatment benefits.

Domiciliary hospitalisation may reimburse home treatment if the patient would normally require hospitalisation but cannot be admitted.

Preventive health check-up benefits offered under many comprehensive health insurance plans can help reduce risks before monsoon season.