1. The health of the insured is abnormal, such as hepatitis B and Xiao Sanyang;
2. The occupational risk of the insured is too high, such as a tanker driver.
The increase of insurance premium follows the principle of insurance fairness. Compared with the general population, the insured with abnormal health status has higher morbidity and mortality, and the insured engaged in high-risk occupations are also facing higher risks, and the probability of making claims in the future is significantly higher than that of normal people. Therefore, in order to be fair, they should pay higher premiums.
However, not all insurance companies will increase health and occupational fees.
The experience of premium underwriting is very bad for customers. For example, the standard premium for hepatitis B customers to buy a critical illness insurance is 4000 yuan. If the premium is increased by 25%, the insurance he bought will be more expensive than the average person 1000 yuan. So customers probably won't buy this insurance. And the insured who need to increase the cost also accounts for a small proportion. According to my work experience, about 100 insured people need to increase their fees.
Based on the above reasons, some insurance companies calculate the additional fees into the rate table when designing insurance rates, so that all customers do not need to increase the fees when purchasing insurance within a certain risk range, so as to improve the customer experience.
So if you need to increase the insurance cost for health reasons or professional reasons, I suggest you give up this insurance and find insurance that does not need to increase the cost, because it will be more beneficial for you to choose insurance that does not need to increase the cost.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.