If your health insurance premium is becoming increasingly expensive, then there is a great news for you. The government is now preparing to take a big decision to stop arbitrary premium increase in the health insurance sector. Medical inflation in India has reached 11.5%, which means the cost of treatment in hospitals is increasing every year and its direct impact is on the premium. Under the new proposal of the government, insurance companies will no longer be able to increase the premium as per their wish. It is being considered to limit the agent commission to 20% and not to exceed 10% on annual renewal. Along with this, it is also possible to tighten the arbitrary package rates decided jointly by hospitals and insurance companies. The government wants every claim, hospital bill and discharge summary to be completely transparent. This will reduce the increasing financial burden on customers and will also help in achieving the government’s goal of “Insurance For All 2047”. Recently it was seen that even after the GST cut, many companies had increased the premium, due to which the customers did not get any benefit. Common people can get great relief from the upcoming new rules.

In polluted areas like Delhi-NCR, health insurance claims are increasing so rapidly that insurance premiums may become more expensive in the future. Air Pollution related claims will increase from 6.4% in 2022 to 9% in 2025 i.e. a jump of 14%. In September 2025 alone, 9% hospitalizations are linked to pollution related diseases. The diseases: shortness of breath, heart issues, eye irritation, skin allergy Shock: Children below 10 years = 43% claims! This is 5x more than any other age group. Adults (31–40): 14% Seniors (60+): 7% Cost impact The cost of treating breath & heart diseases increased by 11% last year. Average air-pollution health insurance claim: ₹55,000 Average hospital cost: ₹19,000 per day Cities Most Affected: Delhi leads in Claims Ratio high: Bengaluru, Hyderabad Cases are also increasing rapidly in Tier-2 cities like Jaipur, Lucknow, Indore. Meaning the impact of pollution is failing even beyond the metros. In VIDEO we will breakdown how air pollution is silently increasing your health bills, insurance premium and hospital costs.