New Delhi, July 24 -- As the monsoon brings a rise in seasonal respiratory infections such as influenza, bronchitis and pneumonia, treatment costs can quickly add up. While many people assume their health insurance will pay for all medical expenses, coverage often depends on whether the illness requires hospitalisation, the type of policy they have, and the benefits they opted for while buying it.

Standard health insurance policies are primarily designed to cover hospitalisation expenses, meaning a mild respiratory infection treated at home or through an outpatient consultation may not qualify for a claim. However, there are exceptions, particularly for policyholders who have opted for additional benefits such as OPD cover or domiciliary...