Factors Affecting Health Insurance Rates: Autos Policy and Health Insurance Quotes Medicare

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Factors Affecting Health Insurance Rates

Factors that can affect health insurance rates: John Oxendine

When applying for an individual life or health insurance, you are asked to fill a form that would determine your overall health. Based on your answers, insurance companies may ask for additional medical information or tests prior to considering your application for coverage. Every insurance company takes into account your age, height, weight, medical history, occupation, driving record, your family health history and personal habits like smoking.

Let’s further discuss some of the habits or activities that can increase premiums:

* Smoking. Smokers pay higher premiums than non-smokers. Even if you only smoke a few cigarettes a day, an insurance company could charge you the same premium as a heavy smoker. If you are a smoker or if you use smokeless tobacco, it may be possible for you to lower your insurance premium by quitting. After you have remained “smoke-free” for a time period specified by your insurance company, you may qualify for the lower, non-smoker premium.

* High-risk activities. You will be asked about your hobbies and activities on your application. Insurance companies typically charge higher premiums if you participate in high-risk activities. Some hobbies considered to be high-risk activities include: mountain climbing; horseback or motorcycle riding; flying an airplane or other aviation-related activities (e.g. ultra light flying, hang gliding, or sky diving).

So if you want to lessen the premium of your health insurance policy, we recommend you minimize participating in high-risk activities. But you can always talk with the insurance company or broker about your other options.

« Ways to Lessen Health Insurance Premiums | Key Points in Selecting Health Insurance Plan »

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Factors Affecting Health Insurance Rates
Factors Affecting Health Insurance Rates

Category Health Insurance Quotes Medicare

Health Insurance Quotes Medicare-35
Health Insurance Quotes Medicare

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