Know About Age To Premium Ratio Factor| Bharti AXA GI

Car Insurance

Bharti AXA provides a comprehensive cover for your car,so you can drive hassle-free.

Two Wheeler Insurance

Ride worry-free, with Bharti AXA two wheeler insurance plan. 

Health Insurance

Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans.

Travel Insurance

Secure your joyous family trips with Bharti AXA international travel insurance cover.

Bharti AXA Home Insurance

Bharti AXA Home Insurance

Bharti AXA SME Package Insurance

Bharti AXA SME Package Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Motor Third Party Insurance - Commercial

Bharti AXA Motor Third Party Insurance - Commercial

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Bharti AXA Car Insurance

Renew your Bharti AXA car insurance to enjoy your non-stop drive.

Bharti AXA Two Wheeler Insurance

Renew your Bharti AXA Two Wheeler Insurance to continue your worry-free rides.

Bharti AXA Health Insurance

Renew your Bharti AXA Health Insurance and continue to safeguard the health of your loved ones.

Register Claim

Track Claim

BLOGS

FAQS

About Bharti AXA

Branch Locator

Cashless Garages

Cashless Hospitals

Careers

Contact Us

Become A Partner

Become A Partner

Products

Car Insurance

Two-Wheeler Insurance

Travel Insurance

Health Insurance

Motor Third Party Liability

Commercial Vehicle

Commercial Lines Insurance

Bharti AXA SME Package

Home Insurance

Pradhan Mantri Fasal Bima Yojana(PMFBY)

Arogya Sanjeevani

List of products

List of withdrawn Products

Car Insurance

Comprehensive Car Insurance

New Car Insurance Policy

IDV in Car insurance

No Claim Bonus in Car Insurance

Bumper to Bumper Car Insurance

Bike Insurance

Comprehensive Two Wheeler Insurance

IDV in Bike Insurance

No Claim Bonus in Bike Insurance

Bike Insurance Quote

Travel Insurance

Travel Insurance Coverage

Benefits of Travel Insurance

Travel Health Insurance

Travel Insurance Quote

Health Insurance

Cashless Health Insurance

Knowledge Centre

Blog

Infographics

Videos

Travel Guide

Visa Guide

Road Trip

Insurance Glossary

Health & Fitness Guide

Food & Cuisine Guide

RTO Guide

Driving License Guide

Car Manufacturer

Two-Wheeler Manufacturer

Travel Destination

Bharti AXA & YOU

About Us

Careers

Contact Us

Cashless Garages

Cashless Hospitals

Branch Locator

Grievances

Investor Relation Information

Resources

Public Disclosure

Knowledge Centre

Download Center

Media Center

Consumer Education

Electronic Insurance Account

Update IRCTC Nominee

Unclaimed Amount

Sitemap

Notice Of General Meetings

Service Parameters

Suspended Agents

Whistleblower policy

Become A Partner

About Group

AXA Group

Bharti Enterprises

Bharti AXA Life Insurance

Download My Airtel App

Legal

Privacy Policy

Terms of Use

Fraud Risk Management Policy

Equal Opportunity Policy

[object Object]
[object Object]
Travel

Travel Insurance

Health

Health Insurance

Two-wheeler

Two-wheeler Insurance

Car

Car Insurance

Disclaimer : The information published on this website is for the public′ s reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel,services, or any other items mentioned on this subject for any purpose whatsoever.
Explore Our Products
130+ COUNTRY WIDE PRESENCE
COVERS ALL TRAVELS RELATED DISASTERS
FLEXIBLE PLANS FOR YOUR NEEDS
24/7 ASSISTANCE WORLDWIDE
Most Recent Blogs
blogs/

HealthInsurance

Things that are Not Covered under Health Insurance

18th Jul,2020

blogs/

TwoWheelerInsurance

List Of Non-Gear Bikes You Could Buy On A Friendly Budgeta

13th Jul,2020

blogs/

CarInsurance

Here Is A List Of Documents You Have To Keep In Your Car At All Times

07th Jul,2020

blogs/

TravelInsurance

Are Adventure Activities Covered in your Travel Insurance Plan?

09th Jun,2020

null/

Know About Age To Premium Ratio Factor

Health insurance is undoubtedly an investment, but most of us wonder about the increase in the premiums with an increase in age even if they are fit and fine. But, as you age, you become susceptible to illness and disease, this is why you pose to become a higher risk to the insurance companies. Though in order to protect their own interests, insurance companies increase your premium with your age.

The insurer evaluates certain key factors in order to determine your health insurance premiums. One of the most important factors is the claim status. Your insurer will evaluate and regularly review profiles of patients and therefore, determine which policyholder costs them more money and pinpoints the holders who require more frequent medical care.

A senior may require frequent blood tests related to diabetes, blood pressure checkups, cholesterol reviews and more heart-related issues. The person may need more surgeries and procedures in order to strengthen the failure in bones or eyesight. Special care can be more expensive which may not be required for the young men.

Similarly, a senior woman may require regular check-ups like mammograms, gynaecological procedures, pregnancy and delivery and age-related bone therapy and specific problems which may not be found amongst younger woman. Most of the time, a younger woman just needs vaccinations and various other routine procedures when they are young.

With the increasing rates of medicines and surgeries, insurers also need to protect their rate of interests from inflation — some of the ways through which you can reduce the amount of premium paid by you.

Some of the tips include:

When you start growing old, the insurers offer free medical checkups to check for the pre-existing ailments. Especially for senior citizens, the treatment for these ailments is covered but after a waiting period of two to three years. Some of the insurance does not even allow renewal of the policy after 69 or 70 years and others renew the policy till the age of 80 years. So, while choosing the health insurance policy, choose wisely.

Bharti AXA GI offers a wide range of health insurance plans to let their customers be safe and protected from the medical expenses. Buy health insurance to avail lowest premium rates and high benefits. Moreover, you can find the premium to be paid as well as the sum insured using the online health insurance premium calculator. With Bharti AXA health insurance premium calculator, you can determine your health plan as well as the sum insured efficiently.

  1. Try buying family floater plans which let you pay less premium overall as a family.
  2. Stay healthy and have a less worrying medical history.
  3. Change the insurance company to which offer less premium as you age.
  4. Stay updated with the latest policies coming in the market to avail lowest premium facilities across the industry.