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Men have always grumbled that women get lower rates when it comes to insurance. Interestingly, health insurance differs as women get to pay higher rates than men. What could possibly be the reason?

First, let’s explain why this is so…

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

Every normal female experiences menstrual cycle. This of course involves blood flow and some psychological effects. From a particular age to menopause, this cycle continues apart from during pregnancy. So how many years of blood flow are we talking about? Does this have any implication on the health needs of women generally? This is one issue.

As if this is not enough, women also give birth to children. The period of gestation has its health needs but more than this, the after effect of the different pregnancies must have some kind of effect on their bodies resulting in a higher need for health care.

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.

To this end, they have studied trends of various profiles and can comfortably project how many insureds within a profile would make a claim within a given time.

The idea is this. The higher the claims from a group of insureds, the higher the rates people in that group would have to pay so that the insurance company can still make profit.

As a profile, the female gender have shown that they make more health insurance claims (and higher amounts) than men. This invariably means that insurance companies will by default give you higher rates than a man of the same profile.

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

To get lower rates, women would need to consider the following.

1. Quit alcohol, smoking and the use of tobacco in any form.

Desist from dangerous games and sports.

3. Quit jobs that expose you to hazards.

Stay in shape you will lower your rates and increase you attractiveness.

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.

Whether you pay more or less would be determined by the number of affordable health insurance quotes you get. You need these quotes to compare health insurance rates. The more quotes you get, the more options you have.

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.