Q: I took a medical insurance policy through the good health policy of the Diners club in 2000. I am to give fresh urine analysis test, ECG test, which is mandated for persons who are above 60 years of age every year. Can my premium be increased every year?

A:Yes, your premium can be increased every year depending upon the claims experience. This increase, typically in insurance industry, can be for every one (in the insured group) or individually for the people who have had an adverse claims experience in the previous year.