Comprehensive Explanation of Health Insurance Ratings in the United States

Harvest Financial Group Wealth Management

Comprehensive Explanation of Health Insurance Ratings in the United States

Those familiar with the American insurance industry are undoubtedly aware of the health ratings associated with American life insurance. Today, we shall delve into the specifics of these health ratings in the realm of American insurance. These ratings can be categorized into several distinct classes, although slight variations may exist among different insurance companies.

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1. Preferred Plus Non-Tobacco

This category represents excellent health condition, free from chronic illnesses, with a normal weight-to-height ratio. Medical examinations show results within the normal range, and there is no family history or other factors that could potentially lead to premature mortality (before the age of 60). There are no immediate family members who have passed away before the age of 60 due to heart disease or cancer. Additionally, there have been no adverse driving records in the past seven years. Premiums for this level of health rating are at their lowest.

2. Preferred Non-Tobacco

This category signifies a state of excellent health, with a weight-to-height ratio possibly slightly exceeding the optimal range. It is acceptable to have mild hypertension or elevated cholesterol levels. Medical examinations reveal normal results or minor abnormalities. There have been no adverse driving records in the past six years.

3. Standard Non-Tobacco

This category signifies a moderate average level of health, slightly higher weight-to-height ratio, and a normal life expectancy. There may be a need for treatment of a few mild conditions. Additionally, it is possible that at least one parent passed away before the age of 60 due to heart disease or cancer. There may be abnormalities detected in medical examination results, and there have been no adverse driving records in the past five years.

4. Preferred Tobacco

This category is characterized by the absence of chronic illnesses, a normal weight-to-height ratio, and medical examination results within the normal range. There is no family history or other factors that could potentially lead to premature mortality (before the age of 60). There are no immediate family members who have passed away before the age of 60 due to heart disease or cancer. Additionally, there have been no adverse driving records in the past seven years. Smoking is minimal, with consumption limited to fewer than five cigarettes per week.

5. Standard Tobacco

This category represents smokers with a moderate average level of health, slightly higher weight-to-height ratio, and a normal life expectancy. They may require treatment for a few mild conditions. Additionally, it is possible that at least one parent passed away before the age of 60 due to heart disease or cancer. There may be abnormalities detected in medical examination results, and there have been no adverse driving records in the past five years.

6. Juvenile (0-18 years) – Unified Underage Rating

In addition to the fundamental health rating, the Standard Non-Tobacco category may be subject to an additional Table Rating based on the level of risk, resulting in additional costs.

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