Health Insurance. Why women pay higher rates.
by: donaldchime |
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Men have always grumbled that women get lower rates when it comes to insurance. Interestingly, health insurance differs as women get to pay higher rates than men. What could possibly be the reason?
Lets take some time to look at some facts.
Everywhere, there is a believe that women generally need to have more medical care than men. Lets look at the following reasons so I wouldn't be accused of being anti-female.
Menstrual period or cycle is a common and normal occurrence with every healthy female who is within the age bracket. Blood flows for some days, every month from having attained puberty to menopause (except when pregnant). If we were to calculate the amount of blood flow and the effects health and psychology, we would agree that women require more health care.
In addition, women get pregnant and bare children. They require special care during this period but we are not even looking at this but at the demand made by these pregnancies on the woman's body even after child birth. We would agree that they require more health care.
I hope the women folk are not annoyed with Insurance companies for their "insensitivity"? Lets understand that they are there to provide a service but much more to make profit for themselves and therefore look at every factor that may come to play in their policies and service provision.
To ensure that they make profit, they have studied and examined various cases to determine what group of people are likely to make more claims and how much is likely to be claimed.
The idea is this. The higher the claims from a group of insureds, the higher the rates people in that group would have to pay so that the insurance company can still make profit.
Following the above, we would see that since women are known to generally claim on their health insurance more than men, they would necessarily be required to pay higher rates than men.
Am I saying women can't get lower rates? No!
Just follow the the tips listed below and you would be sure to get a lower rate.
Give up tobacco and smoking.
Desist from dangerous games and sports.
Any jobs that are hazardous should be avoided.
4. Get in shape. Apart from the fact that you'll look better, your rates will also be more manageable.
A regular exercise routine is also necessary.
6. Be happy. Happy people fall ill less often. In fact there are health conditions that are caused by unresolved resentment, bitterness and worry.
It is so very important to take time to get quotes for comparison.
Remember there are over 2,000 insurance carriers in the US alone. This means that you might have 2,000 different rates for your profile. Some will bill you more; some less.
Getting lower rates would be greatly determined by the number of quotes you get as this greatly increases your options and choice.
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About the Author
Want to get real low rates? Get your FREE quotes NOW! .You can lower you rates. you just have to ask the right person. Chimerenka Odimba is the publisher of http:http://insurance.getting-ahead-in-life.com Find answers to your nagging Insurance questions.
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