The cost of a personal accident insurance plan depends on:--
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Width of cover
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How much you want to receive.
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If any benefits are income rather than cash, for how long the benefit is paid
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Extra options bought
Then there are factors personal to you, which affect the price of personal accident insurance
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Age- premiums can rise with age
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Sex - women tend to pay more
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Occupation; a manual job will be more of a risk than an office or shop worker
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Activity –what activities you do
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Health history ;of you, and sometimes of your family too
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How many people are covered
Not all insurers have the same views on the above factors.
Although there are sex discrimination laws, these do not apply to insurance pricing.
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