health insurance rates

Although the children, the elderly and welfare recipients in Canada, three groups of people, covering health care system as a whole does not provide any other Canadian citizens, all other persons, additional lighting is a private health insurance plan. Since health plans are very different from each other, and because many factors must be taken into account, health insurance exchange.

Review of rates of health insurance

Other insurance usually pays 40% and 80% of the cost of certain health care such as dental, vision, psychologists, podiatrists, chiropractors, hearing aids and certain medical equipment. They also have health insurance when traveling outside of Canada. Of total health care costs that the plan is one of the many factors that affect health insurance rates, high = high.

Insurance carriers consider the various risks a person or group of persons that they are insured, as well as the various risks of transfer costs. Auto insurance is a good example of a correlation between risk and indicates the speed married 45-year-old man driving the sedan, a slower rate than the 20-year-old woman driving a red sports car payment. The risk is less a person's age, marital status and the type of vehicle he riding in mind. Health insurance is very similar. 45-year-old male smoker is higher than the 45-year-old male non-smokers pay for health risk factors are taken into account.

Factors affect the price of health insurance

• Number of persons in accordance with the plan - the stakes are higher than the insurance company will cover not only gives you and your family.
• The fact that the plan covers and what it does - the coverage is usually more expensive than the plans for less coverage.
• Coverage of visits to specialists, and special procedures - such coverage to the insurance company path, and therefore costly to the applicant as well.
• The guarantee of prescription drugs - not the plan provides prescription drug coverage, and it plays an important role in determining the amount of health insurance.
• Warranty already - pre-existing condition is defined a person susceptibility to certain diseases, or any hospital, that is, as a health risk, it generally has a high insurance cover.
• The amount of deductible or co-insurance - low co-insurance or deductibles usually mean higher health insurance individuals receive only a small fraction of the services and the balance is absorbed by the insurance.
• The number of annual deductible - the higher annual deductible, the lower the insurance rate to the insured to pay a larger share of the cost of services.
• Family history - if you have a family history of high blood pressure, heart attacks and other genetic diseases, you are considered high risk, such a high frequency.
• If you smoke - smokers are more prone to specific conditions than non-smokers to develop, so it is more expensive to provide.
• Gender - Studies show that women tend to be healthier than men, because they see doctors more often, that people are more at risk than women.
• Weight - Being overweight or obese, you are in great danger, if you are prone to various diseases or conditions develop.
• Marital status Married people live longer than those who lived alone most of his life, that may affect your insurance rates.
• Action - of people involved in hazardous occupations are listed on the higher, because they have a higher risk of injury or illness.
• Location - In some cities is estimated to be more healthy than others, when health insurance rates lower than some other places.