A medical insurance can be influenced by a number of different factors. These factors can cause your premiums to be higher and you might end up with an insurance policy that you cannot really afford. One of the most influential of these factors is the status of your health. Many insurance companies require medical exams and other related exams before even offering their services to you.
To learn more about how your health status can influence your medical aid, here are some of the ways on how your health affects your premiums:
If you have tried to look for quotes from online insurance companies, then you should have also experienced filling out the forms that ask for your personal information. Many of these forms will ask for your vital statistics, such as height and weight. This kind of information is needed by the insurance company in order to gauge your body mass index.
Typically, people with above or below the average body mass index get higher premiums compared to those with normal BMI. This is because being overweight or underweight is associated with more illnesses, such as diabetes and heart problems. Because of this, insurance companies may charge you more for your medical insurance.
Unhealthy habits such as smoking and consuming large amounts of alcohol is also another health factor that is being observed by insurance companies. Like your body mass index, the more you engage in such activities, the higher your premium will be. By doing such unhealthy practices, you are exposing yourself to more serious and chronic diseases, such as the various types of cancers and heart diseases.
If you want to decrease the amount that you are paying for your medical insurance, then you have to show the insurance company that you are doing some methods to quit from smoking and too much drinking.
Applying for a medical insurance quotes requires you to disclose important information about your health status. Pre-existing medical conditions can cause you to get higher premiums, in the least. There are many insurance companies who refuse to offer insurance policies to people with pre-existing conditions like diabetes and heart conditions.
More meticulous insurance companies can also check the medical history of your family. They can go to these lengths in order to better predict what medical problems the buyer might have in the future. This is usually done by bigger insurance companies, and if they have found out that you have a history of cancer in your family, for example, they may charge you with higher premiums for that.
Finally, your medical insurance may be influenced by your gender. In general, women pay higher premiums than men. This is not because women are more prone to have illnesses. Women are just more likely to seek out medical help for their health and other conditions, like pregnancy.
If you think that your health can get in the way for you to get good medical insurance, then it is time for you to do some lifestyle changes. Also, do not stick to the first insurance company that offers you a policy. Learn to compare the rates and coverage from different insurance companies to get the best deal.
