Why Medical Insurance Premium Go Up only?

It is of no surprise to me that the premium of medical insurance kept going up over the years. We are aware that Medical Inflation hit something like 6.8% over the past 1 year.

I had 3 experiences recently that make me feel that people abuse their insurances especially for those holding the "As Charged" plan with a full complimentary rider to cover the deductible and co-insurance.

Experience 1 - Under an as-charged plan with full complement rider + Hospital Benefit
* Client went for a surgery to remove a tumour near her fallopian tube at Raffles Hospital. She told me that she will be discharged after 3 days.
* When I kept in touch with her to see how shes doing, she informed me that she had stayed an extra day when doctors told her that she is okay to be discharged.
* I asked her why she want to stay that extra day, she told me "Their service is good and since my Insurance pay for it, I might as well stay an extra day and let them make sure that I'm fully ok.'

Experience 2 - Under a Personal Accident policy with $3,000 medical expenses benefit
* Client had a knock on her head and she happens to get a flu and fever the next day.
* She went to a GP to seek treatment for Flu and fever and informed doctor on the knock.
* Doctor is unsure if there is co-relation between the knock and fever and told her to go checkup if fever still persist or if she feels dizzy.
* 3 days after the knock, fever subsided and client have no further symptoms to show that the problem is serious but she still wants to go to a Private Hospital, instead of a Government structured hospital to check if she is okay.
* I asked her why she wants to go Private Hospital, she told me "My Insurance Cover upto $3,000, right? Private hospital don't need to wait and queue."

Experience 3 - Under an as-charged plan with full complement rider + Hospital Benefit
* Client was involved in a minor accident and hurt her leg. She was given outpatient and was discharged shortly.
* After 1 week, she claims that her leg was still painful and went back to SGH. Doctors gave her painkillers and told her that there don't seems to be a problem.
* She was not convinced and went to Gleneagle Hospital after referral from her GP for check-up. * She called me and I told her that such treatments was not claimable especially that she is not warded.
* She called me few hours later and informed me that she was warded a day for observation pending various scanning results.
* When I asked her if her condition is so serious that she need to be hospitalised.
She told me "If I'm warded, my insurance and hospital benefit will cover? If not, no pay right?"
* I nearly fainted... Just keep my fingers crossed as I await claim result.

BTW, btw... The 3 above experiences I mentioned above are all ladies. They indeed know how to calculate and make full claim out of their medical insurance.