Health insurance claims related to monsoon illnesses have surged across India over the past five years, with dengue emerging as the most widespread and expensive illness during the rainy season, according to a new report by ManipalCigna Health Insurance (MCHI).
The data shows that claims for monsoon-linked illnesses have risen at a compound annual growth rate (CAGR) of 34% between 2020 and 2024.
Among these, dengue has shown the sharpest spike, with a staggering 66% CAGR. The report attributes this to both a rise in infections and the increasing cost of treatment, compared to other seasonal diseases such as malaria and viral fevers.
“Dengue has shown the sharpest rise, with claims increasing at a staggering 66% CAGR between 2020 and 2024,” the study noted.
South India has been identified as the region with the highest burden of monsoon-related illnesses, registering a 36% CAGR in claims. This trend corresponds with the region’s high rainfall levels and frequent flooding.
In contrast, North India has witnessed an 8% decline in claims, suggesting a relatively lower incidence of such diseases.
The monsoon season from June to September has a significant impact on the healthcare system, with the report noting a 34% rise in infectious disease claims during this period. This is higher than the 23% increase seen during non-monsoon months, underscoring the strong link between seasonal weather and illness patterns.
Demographic insights from the report reveal that children are among the most vulnerable to monsoon illnesses.
Individuals aged 0 to 17 years accounted for 31% of all related claims, highlighting the need for heightened precautions and care for younger age groups.
The data also shows that male patients represented 57% of all monsoon illness claims, indicating either greater exposure or higher medical attention-seeking behavior among men.
The report’s findings serve as a call to action for public health authorities and insurance providers to enhance preparedness during the monsoon season. Emphasis on prevention, early detection, and targeted healthcare interventions is especially critical in high-risk regions and among susceptible populations like children.