Same age slab, still premium increased — what’s going on in star health?

Hi everyone,

Need some clarity regarding my health insurance premium.

I have a Star Health Assure policy (₹10 lakh cover).

Last year my premium was ₹14,648, and this year renewal is ₹16,487 including, ₹1435 add on.

From what I checked, only around ₹400 increase seems due to pricing change (excluding the added features cost). My age is 28, and I’m still within the same 18–35 age slab, with the next slab only at 35.

So my doubts are:

– If I’m in the same age bracket, why is there any increase at all (even ₹400) in the second year?

– I thought premiums remain stable within an age band and only jump when moving to the next slab.

– Also, the policy includes features like Health Booster, E-connect, and In-clinic consultation costing around ₹1,400 — are these add-ons actually worth it?

Is this kind of yearly increase normal due to insurer rate revisions or medical inflation, even within the same age slab?

Would like to know if others have faced similar increases.

Thanks!