Care Insurance
  • Published on 2 Jan, 2026

  • 78 Views

    5 min Read

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  • Frequently Asked Questions

  • Q. Is smog worse in summer or winter?

    It depends on where you live. If you live in a city with heavy traffic and few green spaces, winter can be harsh due to pollution. But if you live in a sunny, crowded area, summer smog might be a problem, even if it is less visible.

    Q. Which mask is best for PM2.5 protection?

    For the best protection against PM2.5, wear certified respirators like N95, KN95, or FFP2 masks. These masks filter out at least 95% of tiny airborne particles and fit tightly to your face. Loose surgical or cloth masks are not effective for severe pollution.

    Q. Does health insurance cover respiratory issues caused by smog?

    Most standard health insurance plans cover respiratory issues like asthma and bronchitis worsened by smog, including hospitalisation, medications, and diagnostics. However, check your specific policy terms and conditions for exclusions, as many treatments may not be covered without a waiting period.

    Q. How can elderly people stay safe during smog season?

    Elderly people can stay safe during smog season by minimising outdoor exposure, especially during peak pollution hours; wearing an N95 mask when outside; using air purifiers; and managing health conditions with a doctor.

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