Factors Affect Your Family Health Insurance Plans

15 Factors That Could Affect Your Family Health Insurance Plans

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With the pandemic thrust upon us, people started taking health insurance a lot more seriously than they used to. All health insurance companies have introduced coronavirus health insurance to help the matter. The importance of health insurance is much more than people normally realize. It is only when a health emergency happens that people feel the lack of support that they could have received had they opted for a health cover. Therefore, it is advisable that every family opts for family Health Insurance Plans that would back them up during health emergencies.

Here are a few factors that can affect family health insurance plans:

Pre-Existing Medical Conditions

While purchasing health insurance, one is bound to reveal their medical history and bring up all the pre-existing medical conditions, if any. In such cases, it is recommended that one go for a health insurance policy that covers pre-existing diseases. This will obviously lead to an increase in the premiums.

Family Medical History

The family medical history is something that hugely influences one’s health. Unfortunately, genes are not something that can be controlled, and thus, any history of fatal disease in the family will lead to an inevitable rise in health insurance premiums due to the higher risk that is perceived. However, that should not deter anyone away from buying mediclaim policy for family and should rather become more of a reason to invest in it.


Age plays a big role in determining the cost of health insurance. This happens because the older you are, the more susceptible you are to have pre-existing medical conditions and thus, increase your health cover bill.

Body Mass Index

People who have a higher body mass index are more susceptible to have diabetes, heart diseases, and other diseases. Even simpler processes like pregnancy are treated especially if one has a higher body mass index. This increases the premium rate of health insurance.


Top health insurance companies always check if the customer buying the insurance has any sort of addiction or dependency on injurious substances like tobacco, alcohol, drugs, etc. Regular consumption of such items increases the chance of diseases like cancer. Hence, health insurance companies will also charge you way more if you consume the aforementioned items.


No matter how unfortunate it is, sometimes even your profession can determine the amount that health insurance companies will charge from you. You might have to toil a lot to get hold of the best family health insurance plans for your family. This mainly happens if one works in hazardous conditions that pose a serious threat to their health.

Marital Status

It is widely believed that married couples live a life that is longer than others are. The insurance companies consider this factor as they form their policies depending on the statistics. Thus, if you are married, your spouse is the reason why you are paying a health insurance premium lower than the others around you.

Geographical Location

Sometimes, few health insurance companies also take into consideration the geographical location that you live in. In certain geographical locations, the health insurance premium cost is way higher than that of other places. The reason behind this local influence of the premium of health insurance owes to the fact that some places are less healthy than others owing to the prevailing climate and lack of options for healthy food.

Type of Plan Chosen

The type of health insurance plan chosen by an individual becomes the key determining factor about the premium that the person has to pay. It is a well-known factor that long insurance plans need way less premium than short ones. One can search for the best family health insurance plans before finalizing one.

Duration of Policy

The period for which you choose to pay the premium of your health insurance decides the amount of money you will need to pay as your premium. It comes down to a simple mathematical calculation that if you choose to pay for a longer time, you will pay a smaller amount and vice-versa.


While deciding on the amount for the premium that the customer needs to pay, some companies that provide top health insurance plans consider gender. They tend to charge higher for the health insurance of men because statistically, men are more likely to go out for work and meet accidents.


It might sound unrelated but the city that one is dwelling in plays a major role in deciding the cost of the best family health insurance plans. If you are someone living in a metropolitan city, chances are that you need to pay higher than anyone living in a different place does. This is mainly because of the higher cost of treatment in cities.


When deciding on the premium amount for the health insurance of someone, the insurer has to consider numerous things. Lifestyle is one of them. If your lifestyle involves engaging in high-risk activities like climbing, then your premium amount will be higher than others will.

Driving Record

No matter how surprising it appears to be, some companies even check driving records for deciding on a premium amount for the customer. If the individual has a history of reckless driving, then their premium amount would be higher. However, in the previous five years if the individual has a good driving record, then they might get health insurance for a lower premium amount.

Record of Documents

Whenever one avails the benefits of family health insurance plans, it is advisable that they keep a copy of all the documents- be it post-hospitalization expenses, diagnostic tests, or hospitalization records. This is essential as in some cases, the insurance company might demand to see these documents and if the individual fails to produce those, they will not be allowed to avail the benefits.

Now that you know all the practical details of buying health insurance plans for your family, it is recommended that you spend no time searching for one that suits your needs and investing in it thereafter.

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  1. Hi Vital,

    Good post. Really valuable to health insurance buyers those concerned for their families and want to secure them.

    I have now a clear understanding of the family health plan.

    Thank you for sharing such details stuff. Please keep sharing more posts on health insurance.

  2. Hello there! Would you mind if I share your blog with my myspace group? There’s a lot of folks that I think would really appreciate your content. Please let me know. Cheers

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