Jammu, May 2 -- Health insurance is an essential safety net for unexpected medical expenses, but the premiums can often feel like a burden, especially if they seem higher than expected. Several people pay more for the same type of coverage simply because of individual health risks, coverage options, or lifestyle choices.

Understanding why your health insurance premium is high can help you take steps to lower it. The good news? There are smart ways to bring those costs down without compromising on essential coverage.

Factors Affecting Health Insurance Premium Calculation

Your health insurance premium is calculated using a Premium Calculator that takes into account several personal and policy-specific factors. Here's what insurers usuall...