Icici lombard health insurance
Change in Premium amount

Hi,

I had taken a ICICI Lombard health insurance policy 2 years back. First year I paid a premium of Rs. 6249/-. Next year I got 5% no claim bonus and the premium paid was Rs. 5823/-. This year also there is no claim against my policy but I am informed that the premium I have to pay is Rs. 6141/-.

On enquiring I am informed that as per IRDA guidelines the no claim bonus cannot be adjusted against premium amount but the company can increase the sum assured.

I have some doubts about it since on another policy of Reliance I am getting no claim bonus adjustment of 5% against my premium.

I would like to know if can take any action against ICICI Lombard.