Health insurance policyholders get ‘rewarded’ in the form of cumulative bonus for not making claims. This doesn’t translate into direct discounts on renewal premiums. Health cover will be enhanced by 5-50 percent every year without any extra premium, depending on product and insurer. It can go up to maximum of 50-100 percent over the years. If you make claim later, accumulated bonus is typically reduced by same rate in which it had accrued. If your Rs 10-lakh cover was enhanced by 10 percent to Rs 11 lakh and you make a claim later, your sum insured in the subsequent year will go down to Rs 10 lakh again.