Why is the price different for men and women for the same age and type of insurance?

Many people should have had a problem when buying insurance, that is, men's insurance is more expensive than women's. Many men do not understand why this is the case, and that there should be no difference in the cost of insurance according to the principle of equality between men and women. However, the reality is that this is indeed the case.

Some people ask, the same age, the same type of insurance, why is it different to buy ** for men and ** for women? First of all, the average life expectancy of men is shorter, so insurance is more expensive. Secondly, men are relatively more stressed at work and will be physically worse than women.

Finally, men generally have worse routines than women, and generally have worse physical condition. Let's take a closer look. <>

1. The average life expectancy of men is shorter, so insurance is more expensive According to the statistical analysis of relevant data, the average life expectancy of men is about 5 years lower than that of women. As a result, men are more likely to die than women, especially in the elderly. <>

Second, men's work pressure is relatively greater, and their health will be worse than that of womenIn this society, many families rely on men to earn money to support their families. Therefore, men will bear more pressure in their lives than women. The more stress a person is under, the greater the impact on the body.

So, generally speaking, men's bodies are worse than women's. Therefore, men's insurance will also be a little more expensive. <>

3. Men's life rules are generally worse than women's, and generally speaking, their physical condition will be worse, and there are many men who like to smoke and drink, but there are relatively few women with these hobbies. As a result, men generally have worse lifestyle habits. In this way, the man's physical condition will also be worse and he will be more susceptible to some diseases.

Therefore, men's insurance is naturally a little more expensive.

Therefore, through the above analysis, it is not difficult to understand why the same age and the same type of insurance are different for men and women. What do you think?

Because the physiological structure of men and women is different, men working hard outside, may be a little unbearable, and of course, the insurance will be higher.

This should have something to do with the social status of Chinese men and women, men often socialize outside, so their health is not optimistic, and the vast majority of women have husbands and children, are in good physical condition, and have a relatively long life expectancy.

Because the target group is different. Some insurance plans specifically cover women, so it will be more expensive.

Because the body structure is not the same. Men and women have different body structures and different probabilities of major diseases, so there will be tilts.

When many people buy insurance, they will have this question, the same insurance, the same product, why are the genders still different, and the premiums are not the same? In fact, it is mainly because men and women have different roles and different living habits, so there is a difference in premiums. There are three main reasons:

The first is that the incidence is higher in men.

Second, our life cycle is boring.

There is an average life expectancy for men and women, and the average life expectancy of men is shorter than that of women, usually five to seven years.

Third, talking about dress is a man's living habit. For example, many men smoke, drink, and stay up late, including work pressure and social responsibility.

For a variety of reasons, men's premiums are more expensive than women's. Ant Liang.

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We all know that insurance companies set insurance premiums after taking into account a series of factors, that is to say, insurance companies do not set premiums casually, so there is no gender discrimination as this fan said.

As for why it is more expensive for men to buy insurance than women, it is mainly determined by the following factors.

1.Men are more likely to suffer from major illnesses than women

Some data show that the incidence of major diseases in Chinese men and women in their lifetime is also greater than that of women among the three high-incidence cancers of lung cancer, stomach cancer and liver cancer.

According to the WHO survey, 60% of men suffer from severe disease, while women have 76% of severe illness**, which is 16% higher than that of men.

From the above data, it can be seen that men are more likely to suffer from critical diseases than women, and the ** rate is lower than that of women, and insurance companies take greater risks when underwriting male consumers, so it is more expensive for men to buy critical illness insurance and cancer prevention insurance.

2.Men and women have different living habits

In life, men generally have bad habits such as smoking, drinking, and staying up late, while women generally have few of these habits. Smoking is the most important factor causing lung cancer, and the smoking rate of men in China is as high as high, basically half of them are smokers.

Drinking alcohol and staying up late are the most important factors that induce liver cancer, and men will drink more or less due to the influence of work and traditional Chinese wine culture, and China is also a country with a high incidence of liver cancer.

Since most men have these bad habits, the probability of men being induced by these factors is also high, so it will be more expensive for men to buy insurance. If you don't know how to configure insurance, you can see here: "Insurance Guide: How to Buy Insurance for Women".

3.The average life expectancy of women is higher than that of men

The average life expectancy of men is lower than that of women, which is determined by three main aspects:

First, the above mentioned men have a higher chance of suffering from critical illness than women, and the ** rate is lower than that of women.

The second is that men bear heavier responsibilities and pressures in life, and the traditional Chinese thinking is that men have to provide for their families, and the burden of the family is often overwhelming, and many men are also engaged in high-risk manual labor.

Third, studies have shown that male hormones are more vigorous than female metabolism, so oxidation reactions occur more frequently in men's bodies, and aging is faster.

The fundamental reason why men are more expensive than women is that men face greater health and safety threats than women in life, so insurance companies will charge higher premiums when covering male consumers.

When buying insurance, why is it more expensive for men than women for the same payment period and sum insured?

This is because there are many dangers in the career where men live.

This is the ** person I consulted when I bought insurance. Generally speaking, there are a lot of people who smoke and drink alcohol, and the pressure is greater than that of women, so the life expectancy of men is shorter than that of women, and the probability of suffering from major diseases is higher than that of women, so the premium is naturally expensive. To put it bluntly, it is more expensive for an athlete to buy insurance than for ordinary people, because the probability of injury for athletes is higher than that of ordinary people.

If you still don't understand any questions, it is recommended to brush up on the article of Duobaoyu, which has a lot of questions and answers about insurance.

I know a little bit about this because my niece is the team leader of Ping An Insurance Company, and she talked to me about this topic.

Generally speaking, men are more likely to "get into accidents" than women, so personal accident insurance and vehicle insurance must take this into account.

This is the main reason why it is more expensive for men to buy insurance than for women. FYI.

1. There is basically no difference between men and women to purchase social security, but there is a difference in the retirement age of men and women in pension insurance (60 for men, 55 for women, and 50 for female workers). In addition, there are certain differences in maternity insurance.

2. The problem of overage purchase is different from place to place. In some areas, it is allowed to extend the retirement age until the contributions are paid before starting to receive a pension; In some areas, a lump sum payment is allowed; In some areas, it is not possible to continue the purchase, but only a one-time return to the personal account.

Specific policies need to be asked to the local social security department.

Hello! The special physiological structure makes women more susceptible to diseases, and in order to improve women's protection, it is necessary to purchase appropriate women's insurance for women in a timely manner.

How should women buy insurance?

Accident insurance and medical insurance are the first choice for women around the age of age. This is because when you just start working, you have more opportunities to go out for activities. Comprehensive accident and medical insurance can solve the risks on the way to and from work, the medical expenses of accidents caused by ordinary activities, and there is no worry about the future when you are unwell.

For women over the age of age, it is recommended to choose critical illness, women's illness insurance, maternity and child insurance, accident and medical insurance.

is the second ** period for women, and it is the backbone of family and career to do quietly. He suggested that women at this age should choose critical illness, term life, accident and medical insurance, especially specific insurance that covers women's critical illnesses. At this stage, women have the need to increase the type of financial insurance covering the pension to plan their pension arrangements, otherwise the premium will increase due to the increase in the insurance age in the future.

5.Women around the age of 50 can choose accident, medical insurance and life insurance.

Because women of different ages have different protection needs, women's insurance is purchased differently than men's insurance at the time of application. It is recommended that you treat them differently.

To purchase a suitable women's insurance, you need to combine the different protection needs of women of different ages to choose reasonably, and it is an insurance platform that provides professional women's insurance.

First of all, men's bad habits are significantly more than women's, and long-term smoking and drinking will affect physical health. Secondly, many men are the breadwinners of the family, and they are overwhelmed by the house, cars, tickets, children, and seats all day long, and if they can be healthy, then hell. For more details, please see Lu Tansan** for understanding.