Women, as a group, get far better deals on auto and life insurance. But once it comes to health insurance, a woman will attract higher rates than a male counterpart. Why is this so and what can a woman do to pay far less?

Consider the following.

There is a general consensus that Women tend to require more health attention than men. Why? Lets try to find out.

Menstrual period or cycle is a common and normal occurrence with every healthy female who is within the age bracket. Blood flows for some days, every month from having attained puberty to menopause (except when pregnant). If we were to calculate the amount of blood flow and the effects health and psychology, we would agree that women require more health care.

2. Pregnancy. We are NOT referring to the special care a woman needs when she’s pregnant we are referring to its toll on the woman’s health long after delivery. And, if you consider that a good number of women have several pregnancies in their life time, you’ll see it makes sense that their bodies require more health care attention.

I hope the women folk are not annoyed with Insurance companies for their “insensitivity”? Lets understand that they are there to provide a service but much more to make profit for themselves and therefore look at every factor that may come to play in their policies and service provision.

The major factor they take into consideration is what percentage of any group of insureds would likely make claims, the amount claimed and the consequences to their business.

Look at it this way. If a certain percentage of a group of insureds make a claim, their overall rate must be such that the insurance company would still make profit. For example, 1 out of 100 insureds make a claim of $1000 and the the insureds pay a rate of $100, the company would still make profit and can even afford to lower the rates.

Following the above, we would see that since women are known to generally claim on their health insurance more than men, they would necessarily be required to pay higher rates than men.

Am I saying women can’t get lower rates? No!

Top among the many things you have to do are the following…

Give up tobacco and smoking.

Dangerous games and sports should be avoided.

Avoid jobs that are hazardous to your health.

Lower your rates and increase your attraction by staying in shape.

Keep a constant exercise regime.

Try to be constantly happy. This will improve your health significantly.

7. Get and compare quotes from a wide range of insurers. Different insurers have different loss and claims histories. Furthermore, they also have different weightings for the different factors that are used to determine your rates.

With over 2,000 companies providing health insurance, you would surely have varying rates. So take your time and get the best.

Getting lower rates would be greatly determined by the number of affordable health insurance quotes you get as this helps you compare health insurance rates and greatly increases your options and choice.

How Do I Start Getting Quotes? Start from these links Affordable health Insurance Quotes and Compare health insurance rates Chimerenka Odimba is the publisher of several finance based sites.

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