All health insurance providers have underwriting criteria, whether it is a for profit organization or not.

One of the major factors effecting your health insurance is your age. In general, the older you are the better the chances are that you will get sick or will need some form of medical treatment. Because of this, the older you are the more expensive your insurance premiums will be.

Many people with concerns about health insurance are not just worried about themselves but their family as well. Some insurance companies rate their premiums based on family size. Other insurance companies have a basic family rate they charge no matter what the size of the family is.

In terms of life insurance, women tend to pay lower rates than men do. For health insurance, women’s premiums are generally higher. This is due to the fact that health insurance statistics indicate that females have a tendency to need more medical care than males.

Your health history also plays a significant role in determining the cost of your health insurance premium. Insurance operates on the basis of many statistical probabilities. If your health has been poor in the past that means that you are more likely statistically to have higher health insurance expenses into the future, which results in either having to pay higher insurance premiums or not being able to obtain insurance at all.

Your occupation is also an important factor when it comes to health insurance. The higher the probability is that you will suffer a work related illness or injury, the more likely you will be charged a higher premium to cover these risks.

Your health insurance application will also ask you questions regarding personal habits such as drinking and smoking. If you are a heavy smoker or drinker, your premiums are going to be higher than someone who isn’t.

You need to be aware of certain provisions in insurance contracts. Insurance policy exclusions remove certain procedures and other types of health care from coverage. It is critical that you understand all the exclusions contained in your policy.

One common exclusion is preexisting conditions. These are often defined as symptoms that a prudent person would seek diagnosis, care or treatment for in a five year period, or a condition where a physician either gave a recommendation or provided care for.

Many health insurance policies exclude coverage or injuries or illnesses that are caused by narcotic or other types of controlled substance abuse that was not prescribed by a doctor.

Some policies have an exclusion of benefits for emotional and mental illnesses that do not have a bodily cause. Other policies may provide some limited benefits for certain items sch as psychotherapy. It is important that you understand all the details of your health insurance policy, particularly if there is a possibility that you or a member of your family may need the services of a psychologist, psychiatrist or other form of mental health professional.

If your illness or injury qualifies for workers compensation benefits, your own insurance will most likely exclude paying any of these medical bills.

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