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Variables affecting health insurance premium calculator


If you’re someone who’s always thinking about the future, dreaming about places you wish to go, and adding them to your bucket list – then you the must believe in hoping for the best and prepare for the worst. Medical insurance is a sensible investment to make; Yes, the insurance premiums are a headache, but it is your safety net – always there to help you when you are facing unexpected medical costs or hospitalization expenses.

The insurance company determines your health insurance policy premiums based on your risk profile. A risk profile is calculated using a specific set of factors, i.e. details about your life that define your insurance needs and how likely are you to put in a claim. The following details calculate your risk profile:


  1. Age: The higher your age, the higher the premium – This is based on the assumption that as you age your health will decline, making you a bigger liability.
  2. Tobacco Use: Due to it being a cause for cancer in the future, any consumption of Tobacco – chewing or smoking – is seen as a gateway to chronic and critical illnesses like tuberculosis and cancer in the future which would increase your medical expenses.
  3. Individuals Included: If your health insurance policy takes into account your spouse or dependents (kids or elderly,) insurers will charge more for covering them.
  4. Gender: Typically women are charged higher medical insurance premiums for three specific reasons a) Women are more likely to visit a doctor than men b) Women will take prescription medication and c) For women who desire maternity insurance – including delivery, prenatal and postnatal care.
  5. Pre-existing Medical Condition: Most insurance companies do not cover pre-existing conditions and will charge a higher premium to anybody struggling with chronic, life-long diseases such as diabetes, cancer or heart disease.
  6. Family History: Your premium depends on how healthy your family tree is – if you have a record of certain medical conditions (blood pressure, blood sugar) or ailments (epilepsy or cancer) in your family history, your premium will be higher than regular policies.

There are a lot of websites that will offer you an online health insurance calculator but knowing how they analyze your lifestyle, your health and history is a great advantage. Here are some personal risk factors that affect your policy premium:

  1. Profession - Do you work in an environment that could be considered hazardous – using chemicals or heavy machinery? Jobs which have a high risk of injuries will have a higher premium as compared to people who have sedentary indoor, desk jobs. International business travel also affects the cost of your medical insurance premium.
  2. Zip Code – Some insurance companies charge your premium depending on the area code you are in. The company’s statistics reflect if you are from a healthy neighbourhood or not.
  3. Marital Status – Marriage is a factor that works in your favour by lowering the rates. Some insurers believe couples live longer than single people. Getting married comes with the benefit of a drop in health rates.
  4. Previous Insurance History – If you have never purchased a health insurance policy in the past some companies may count that against you – the assumption being you will want to begin going for health and wellness checks.

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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.

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