The deteriorating air quality in Indian cities is exacerbating respiratory illnesses, including asthma and bronchitis. Vulnerable groups such as children, the elderly, and individuals with pre-existing respiratory conditions are at higher risk of severe health complications. The financial burden of hospitalisation and treatment for pollution-related diseases is a growing concern, especially for those without comprehensive health insurance. Policyholders with pre-existing conditions may face additional challenges due to waiting periods and exclusions in their insurance policies.