Health Classes
Defined
Canadian Insurance Companies - Health Class Ratings
Canadian insurance companies are offering discounts for those
who are healthier by using "preferred plus" and
"preferred" rates. Every company has its own unique
criteria but the following questions are typical of those
asked to determine which rate they will give and can be used
as a guideline.
If you get a quote and have questions about whether you
would qualify please Contact
Us and we will call you to discuss your questions.
Also, some Canadian companies have a credit and debit system
where positive lifestyles can overcome a negative hereditary
or weight issues.
Preferred Plus - Can you answer "yes" to all
these questions
|
1
|
No tobacco or nicotine products within the
past 4 years. |
|
2
|
No more than 2 moving violations within
the past 3 years and no "Driving Under the Influence"
within the past 5 years. |
|
3
|
No hazardous occupations or avocations or
travel to hazardous areas. |
|
4
|
No history of felony arrest or drug abuse.
Ask about alcohol abuse history after 10 years - some
might consider it. . |
|
5
|
Citizen or residing in the country as a
landed immigrant for at least one year. |
|
6
|
No family history (natural parent or sibling) of a DIAGNOSIS of coronary artery disease, internal cancer or melanoma, stroke or other life threatening hereditary disease prior to the age of 60. |
|
7
|
No history or major health conditions. No
history of mental or nervous disorder. |
|
8
|
Blood pressure (without medication) must
not exceed 140/90. |
|
9
|
Total cholesterol (without medication) must
not exceed 220 AND the cholesterol/HDL ratio must not
exceed 5.0 |
|
10
|
Within height and weight limits, see
chart at bottom of this page.
Get a
Quote with a Preferred Plus Health Rating Now! |
Preferred - Can you answer "yes" to all these
questions
|
1
|
No tobacco or nicotine products within the
past 2 years |
|
2
|
No more than 3 moving violations within
the past 3 years, no "Driving Under the Influence"
within the past 5 years. |
|
3
|
No hazardous occupations or avocations or
travel to hazardous areas. |
|
4
|
No history of felony arrest or drug abuse.
Ask about alcohol abuse history after 5 years - some might
consider it. |
|
5
|
Citizen or residing in the country as a
landed immigrant for at least one year. |
|
6
|
No family history (natural parent or sibling) of a DIAGNOSIS of coronary artery disease, internal cancer or melanoma, stroke or other life threatening hereditary disease prior to the age of 60. |
|
7
|
No history or major health conditions. No
history of mental or nervous disorder. |
|
8
|
Blood pressure (with or without medication)
must not exceed 140/90. |
|
9
|
Total cholesterol (with or without medication)
must not exceed 240 AND the cholesterol/HDL ratio must
not exceed 6.0 |
|
10
|
Within height and weight limits, see
chart at bottom of this page.
Get a
Quote with a Preferred Health Rating Now! |
Regular Plus - few Canadian companies offer this - use
if you just missed qualifying for preferred.
Regular - Can you answer "yes" to all these
questions
|
1
|
No use of tobacco or nicotine products within
the past 12 months. |
|
2
|
Within height and weight limits, see chart
at bottom of this page. |
|
3
|
Citizen or residing in the country as a
landed immigrant for at least one year. |
|
4
|
Otherwise generally good health
Get a
Quote with a Regular Health Rating Now! |
Preferred Smoker - some companies offer a preferred
smoker rate. Must qualify for preferred rate above and smoke
less than 20 cigarettes per day.
| Maximum Weight (lbs) to
Qualify for The Rate Class
(this is to be used as a guide - each company has its
own rates) |
Height |
Preferred Plus |
Preferred |
Regular/Standard |
5'0" |
146 |
156 |
173 |
5'1" |
151 |
160 |
177 |
5'2" |
155 |
165 |
181 |
5'3" |
159 |
170 |
186 |
5'4" |
164 |
174 |
191 |
5'5" |
169 |
179 |
196 |
5'6" |
175 |
184 |
202 |
5'7" |
180 |
189 |
207 |
5'8" |
184 |
194 |
212 |
5'9" |
188 |
200 |
217 |
5'10" |
192 |
206 |
223 |
5'11" |
198 |
212 |
229 |
6'0" |
205 |
219 |
235 |
6'1" |
210 |
225 |
241 |
6'2" |
215 |
231 |
247 |
6'3" |
220 |
236 |
254 |
6'4" |
225 |
241 |
261 |
6'5" |
231 |
247 |
269 |
| 
