How Medical Inflation & Costs Drive Health Insurance Premiums

• Health insurance premiums are closely tied to rising treatment costs, medical inflation, and hospital tariffs.
• Premium increases are driven by advanced medical technology, higher utilization of services, and regulatory capital requirements.
• Healthcare inflation impacts consumables, diagnostics, workforce salaries, and infrastructure investments.
• When choosing a policy, prioritize features like adequate sum insured for your city, flexible room-rent rules, and comprehensive coverage for modern treatments.
• Manage premiums by considering deductibles, top-up plans, maintaining policy continuity, and utilizing wellness programs.

Why It Matters: This explains how medical costs drive premiums and guides smart health insurance choices.