NEW DELHI: Health insurance premiums have increased by 10-25% recently, thanks to higher average claims and rising inflation in the healthcare sector. Sources from the health insurance sector say average claims have increased from 40,000-50,000 rupees to 80,000 rupees in the last two years.In most cases, a six-month policy will be cheaper than a 12-month policy because you pay for the insurance for a shorter period of time. However, if you are comparing the price of car insurance on a monthly basis, it may not differ much between a six-month and a twelve-month policy.