increased the premium

DEAR SIR,
I am holding reliance healthwise policy no.-1301792825013338 plan-GOLD since 26.11.2008
at premium 1400/- for floting cover of 1 lakh under gold plan. At the third year premium demand is @7171/- after discount 15% @6095/-pa. which is 500% more higher than my planned protection offered by reliance general insurance.
How can reliance demand 500% higher if govt. tell 10%-12% inflamation for genral public.

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