Health insurance claims for monsoon-related illnesses have seen a sharp surge across the country, rising at a compound annual growth rate (CAGR) of 34% over the past five years, according to new data from ManipalCigna Health Insurance (MCHI).
Dengue has emerged as the most common and costly illness during the season, accounting for the steepest rise in claims.
Among the array of diseases that surface during the rainy season, including malaria and viral fevers, dengue has shown the sharpest rise, with claims increasing at a staggering 66% CAGR between 2020 and 2024. This rapid growth not only highlights the rising number of infections, but also reflects the higher cost of treating dengue compared to other monsoon-linked illnesses, the study indicates.
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The data also reveals clear regional variations in the prevalence of monsoon-related diseases, closely linked to rainfall intensity. South India has emerged as a monsoon illness hotspot, with claims rising at a CAGR of 36%, correlating with the region's heavier rainfall and flooding. In contrast, North India has seen an 8% decline in such claims, suggesting relatively fewer rainfall-related disease outbreaks.
The monsoon months from June to September also show a significant seasonal impact on healthcare systems. During this period, infectious disease claims spiked by 34%, compared to a 23% increase in non-monsoon months, highlighting the direct link between seasonal changes and health-related risks.
Demographic data paints a concerning picture, particularly for younger age groups. Children from newborn babies to 17 years account for 31% of monsoon illness claims, indicating their higher vulnerability to seasonal diseases. Moreover, male patients made up 57% of all such claims, suggesting either greater exposure or higher treatment-seeking behaviour among men.
The spike in monsoon-related health claims is an indicator for both public health authorities and insurance providers to step up prevention, early diagnosis and treatment mechanisms. The trends highlight the need for better monsoon preparedness, especially in high-risk regions and among vulnerable groups like children.
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