I've a Mediclaim policies from National.
While first renewal of National Medicalim policy, my agent demanded more renewal premium.
I was surprised to hear that as my Life insurance premium will be same for all consequent renewals. Agent said that is due to age and pre-existing conditions.
But I've declared all my pre-existing conditions while buying the policy and the first year was claim free.

Then why more premium is demanded?
Please let me know if my premium will increase every year.

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