Age

Age is one of the most significant factors affecting health insurance quotes. Generally, the older you are, the higher the premium. This is because the risk of health issues typically increases with age. When applying for a quote, you'll need to provide your age or date of birth.

Sum Insured

The sum insured is the maximum amount the insurance company will pay in case of a claim. Higher sums insured result in higher premiums, but they also provide better coverage in the event of serious illness or injury. You should choose a sum insured based on your healthcare needs and financial situation.

Outpatient Coverage

Outpatient coverage includes medical expenses that do not require hospitalization, such as doctor visits, diagnostic tests, and minor treatments. Plans with outpatient coverage are more comprehensive and therefore more expensive. When requesting a quote, specify whether you need outpatient coverage.

Deductible

The deductible is the amount you pay out of pocket before the insurance company starts covering expenses. A higher deductible generally means lower premiums, but it also means youll pay more before the insurance kicks in. Decide on a deductible amount that balances your ability to pay upfront with your desire to lower your premium.

Area of Coverage

The area of coverage determines where you can receive medical care and have it covered by your insurance. Some plans offer worldwide coverage, while others may be limited to a specific region or country. Worldwide coverage is more expensive, so consider where youll be residing or traveling and choose accordingly.