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.

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.

Now, we must understand that insurance companies, like every other business out there, are out to make a profit. Miss this important fact and you’ll wonder why a lot of things are the way they are.

To ensure that they make profit, they have studied and examined various cases to determine what group of people are likely to make more claims and how much is likely to be claimed.

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.

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!

Just follow the the tips listed below and you would be sure to get a lower rate.

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

Dangerous games and sports should be avoided.

3. Quit jobs that expose you to hazards.

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

A regular exercise routine is also necessary.

6. Be happy. Happy people fall ill less often. In fact there are health conditions that are caused by unresolved resentment, bitterness and worry.

It is so very important to take time to get quotes for comparison.

Health insurance is offered by over 2,000 companies. So you need to get the rate that suits you 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.