Tante Girang Bohai. In an effort to minimize the amount of risk the insurance company to take, they need to determine the factors that would cause someone to be a higher risk. A perfect example of this is the life insurance industry. If you are looking to get life insurance, one of your questions will be asked when you fill out your quote is whether there are any diseases. If you have a disease that is then you are a bigger risk for insurance because they probably have to pay a higher claim. Remember that insurance companies want you to stay alive as long as possible, so that they can get a return on their money. If you are sick, their level of this risk by charging you a higher premium
