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Over the past a number of years, long run care insurance has posed vital challenges to insurers on a national stage. We now have to contend with an unfair two-tier tax system, excessive gas costs, poor highway conditions resulting in unusually high maintenance charges and now quickly soaring insurance premiums. B) Insurance Regulatory and Growth Authority (IRDA) Act 1999, created the IRDA as an impartial authority for the purpose of regulating the insurance trade. Health Insurance Maximums: Maximum Out-Of-Pocket is the biggest sum of money you will be liable for during one calendar yr.