Can mediclaim premium be increased following claim during policy period?

I have heard that some Indian insurance companies increase the premium amount for mediclaim the very next year following claim for reimbursements by the policy holder. Reportedly some even make it double (and it goes by the name of loading). Is that true? If it is true then how does one choose a suitable mediclaim policy from some insurance provider? The premium amount is obviously one factor one considers before choosing a suitable insurance provider for medical purpose.

How can the share of a company be transferred?

The share was held by a lady(spinster) who dies. She has two brothers.Would it possible to get the share transferred to any one of them? How can the succession certificate be obtained? What is the procedure?
She was the sole holder.She has one elder brother and one younger.