u/No-Character-6597

I’m checking HDFC ERGO Optima Secure Plus and saw this:
-21% favourable experience discount for first-time buyers
-18% on renewal

I saw an image in twitter(attached) which has created confusion.

How exactly does this work in subsequent years?
If I remain claim-free, will I continue getting 18% every renewal?
And if I make a claim once, does the discount reduce permanently or only for the next renewal cycle?
Also, is this discount recalculated every year based on claim history?