<h1>Health Insurers Seek 15-35% Premium Hikes Due to COVID Claims, Inflation, and Expanded Coverage Features</h1> Individual health insurers in India have sought their largest premium increases in over five years, with hikes ranging from 15% to 35%, following regulatory approval. These increases are attributed to elevated claims ratios during the COVID-19 pandemic, rising medical inflation averaging 14%, and expanded coverage features. The Insurance Regulatory and Development Authority of India (IRDAI) reviews and moderates these hikes to balance insurer viability and consumer protection, often requiring staggered increases and enhanced transparency. Individual policyholders, especially middle-class and senior citizens, face significant affordability challenges, leading some to reduce coverage or drop policies. Group insurance plans have seen smaller increases due to larger risk pools. IRDAI promotes standardized products and encourages consumers to compare policies, consider top-ups, higher deductibles, and wellness benefits to manage costs. Timely renewals and expert advice are recommended to avoid coverage lapses amid rising premiums.