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If your family has a history of hereditary diseases, you may be considered at higher risk of contracting them. This can result in a higher premium. Age and Gender Your age and gender can impact the premium for your health insurance plan.

Health insurance premium tends to increase as you get older, as your health is more likely to suffer. Gender may also affect the premium, as healthcare needs differ for men and women.

Policy Term Longer-term policies may have a higher premium compared to short-term policies. However, long-term policies offer better protection by ensuring financial protection for an extended period.

Short-term policies may seem more affordable but can come with additional costs for renewal, which can be more expensive in the long run. Pre-Existing Diseases People with pre-existing medical conditions typically pay a higher premium. Insurance companies charge more to cover potential medical expenses related to these conditions. Lifestyle Lifestyle habits like smoking, alcohol consumption and others may result in a higher premium as they enhance the chance of falling sick. On the other hand, a healthy lifestyle may lead to a lower premium.