Health insurance policies in India generally cover a range of respiratory conditions, including chronic obstructive pulmonary disease (COPD), asthma, bronchitis, and acute respiratory infections. “Coverage typically includes hospitalization expenses associated with these conditions as long as the policyholder meets the waiting period and other policy terms and conditions. Additionally, complications resulting from respiratory infections may be covered, even if these conditions are aggravated by external environmental factors like pollution,” says Bhaskar Nerurkar, head - health administration team, Bajaj Allianz General Insurance.