Overall, pollution-related claims rose from 7.6% pre-Diwali in 2024 to a projected 9% (data till September) post-Diwali 2025, driven by stubble burning, fireworks, and stagnant winter air. The surge in claims was led by Delhi at 38%, followed by Hyderabad with 8.34%, and Bengaluru at 8.23%, per the report.