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Why Does the 25-35 Age Group Dominate Health Insurance Claims in India?
In what’s being called a quiet healthcare revolution, India’s young working professionals are reportedly making the most health insurance claims – outpacing even senior citizens. Surprised? So are the insurance providers. Young adults ranging between 25 and 35 years, who are often assumed to be in peak health, are now dominating the charts in health insurance claims by age.
As the costs of medical attention continue to rise, this generation is turning to health insurance plans not just as a fallback option but as a smart financial tool – reshaping how we view health insurance plans.
But what’s really causing this shift in health insurance claims? Let’s break it down.
1. Lifestyle-Driven Health Issues
Long work hours, grab-and-go meals, endless screen time, and lack of exercise are common among young adults, contributing to health issues like hypertension, anxiety disorders, and diabetes. These problems are not just minor inconveniences to the regular lifestyle; in some cases, they lead to medical treatments or even hospitalisations that result in health insurance claims. As a result, more young adults are making health insurance a priority - often right after landing their first job - because paying a premium is much easier than footing an unexpected hospital bill.
2. Better Awareness and Financial Literacy
This new working generation is more financially informed than ever. With access to finance influences, digital content, and insurance comparison tools, young adults understand the importance of getting a comprehensive health insurance plan early. They are no longer waiting for a medical emergency – they are planning ahead. Expert platforms like Paybima help them find their ideal coverage, ensuring they are covered in case of minor as well as major healthcare needs. As a result, young adults are making smart decisions, contributing to the shift in health insurance claims by age.
3. Rising Healthcare Costs
The cost of quality medical attention in India is skyrocketing. A simple outpatient procedure or a diagnostic test can cause a financial issue if not planned properly. The 25 – 35 age group, with its preference for reliable and quick care, tends to rely on private healthcare facilities. Since these facilities readily accept health insurance for non-critical treatments, this has led to a spike in health insurance claims for such treatments.
4. Limited Corporate Coverage
Most corporate employee benefit plans include an employer-provided health insurance plan that covers the employee up to a certain limit. The premiums for this coverage are covered by the employer. Therefore, the insured does not have to think twice before asking for insurance claims for routine treatments. However, these plans also come with limited benefits. So, with the help of online platforms like Paybima, young professionals can review and supplement their corporate insurance plan with another robust plan to cover all bases. This allows them a base to fall back if their corporate coverage does not cover any specific treatment or procedure.
5. COVID-19 and Its Aftermath
The COVID-19 pandemic has surely changed how young Indians view healthcare. This generation has witnessed their parents and other senior family members get seriously ill – in fact, many in this age group experienced this themselves, mixed with post-viral complications and anxiety-related concerns. This has caused a spike in doctor consultations, leading to diagnostics and even hospital stays – many of which are covered by health insurance claims. As a result, more young adults use their health insurance to get the maximum benefit.
6. Parenthood and Maternity-Related Claims
Most individuals living in the 25 – 35 age range are starting families, leading to a rise in maternity and parenthood-related health insurance claims. From prenatal check-ups to newborn care, the medical expenses can add up – especially if you are looking for reliable care in private hospitals. This results in more and more maternity-related health insurance claims coming from young adults in this age range, thus contributing to the trend of shifting the volume of health insurance claims by age.
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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Jan 08, 2025
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In what’s being called a quiet healthcare revolution, India’s young working professionals are reportedly making the most health insurance claims – outpacing even senior citizens. Surprised? So are the insurance providers. Young adults ranging between 25 and 35 years, who are often assumed to be in peak health, are now dominating the charts in health insurance claims by age.
If you think lifestyle-related health issues only show up after 40, think again. Youth no longer guarantees immunity. Today’s 25 - 35 age group is increasingly facing medical issues that only plague older adults. The reason? Long working hours at the desk, deliveries on speed dial, and a social life that rarely includes a decent amount of sleep are some of the reasons for the early onset of medical conditions like diabetes, anxiety, and hypertension.
Remember when a simple doctor’s visit felt like planning a mini-event? First, you had to book an appointment days ahead, then sit in a crowded waiting room, scrolling aimlessly while watching the clock tick past your slot. It's not exactly the highlight of anyone’s week. Well, those days are pretty much over. Enter telemedicine – the futuristic healthcare option that is slowly becoming the cornerstone of modern medical insurance plans. From coughs to consultations, you can now connect with a doctor from your living room or your office—or even mid-binge on your favourite series. It’s healthcare that works around your schedule, not the other way around.
Have you noticed how your routine visits to your doctor or a basic diagnostic test feel more expensive every year? Well, you’re not imagining it. Healthcare costs are rising faster than ever before, and unlike general inflation that affects groceries and fuel, medical inflation hits harder because it generally strikes during emergencies.
If you ever feel like your health insurance premium is slowly eating up a sizeable chunk of your pay stub every year, you are definitely not alone. With the rising costs of medical procedures and insurance companies adjusting to increasing claims and inflation, even basic health insurance coverage can start to feel like a financial burden.
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