I have taken out Life Insurance policies for my two stepsons.

The policy include a degree of health insurance as well, which makes

a lot of sense. Why let the insured die early, for lack of medical care?

This year a letter a letter arrived saying that the Health part of the policy is more

expensive and the premium will be higher.

Well I expect costs are rising.

For the older boy, the premium was exactly the same as last year!!

For the younger the premium had DROPPED from B6022 to B5433!!

That is the sort of "increases" I like to see.

However very confusing for customers when a company sends out letters like this, without first checking what they are doing.

Welcome to Thailand!

It's a negative increase. That's perfectly acceptable if your a mathematician.