A report based on consumer insights from online marketplace Policybazaar says a large share of people who claim health insurance reimbursement experience immediate financial burden. It finds that the ability to manage treatment costs using liquid savings declines from 32% in 2023 to 24% in 2024-25. The report also states that financial stress faced by insurance holders at the time they raise reimbursement claims increases across different city tiers between 2023 and 2025. While the figures point to worsening cash-flow strain for claimants, the report’s findings are presented as consumer-reported outcomes rather than an assessment of underwriting or policy design. Overall, it suggests that many claimants rely on short-term resources or face difficulty covering expenses while reimbursement is processed. The article frames the change as a trend over time and across urban categories, indicating that the challenge is not limited to one segment of the market.