What are the factors that influence the costs of PHI???

Well, your occupation plays an important role. Professionals and those in administrative posts have lower premiums than those who are doing manual labor. This is a matter of ascertaining risk.

Like it or not, women are more sickly than men, so they have higher premiums.

There is also what they call a waiting period. A longer waiting period before your benefits become due usually equates to lower premiums. Another time factor that influences your premiums is the payment period, which is how long you want the policy to pay out the benefits. Short payment periods equate to lower premiums.

There are also certain classes of people who pay more. Smokers for one pay more.

Can you please explain briefly on this? What type of classes are you referring?

Thanks in advance

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Well I do agree that people with administrative post have low PHI premium as compare with job of labour class .

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