Insurance is not an exact science: each insurer tries its own « segmentation » based on health profiles that seem promising for good technical results. Do not forget that insurance is an industry like any other, which purpose is to grow up making profits… So, you can found significant differences between premiums (sometimes up to 50%!) for nearly similar products but with different targets ! For example, some companies will « pool » the « maternity » guarantee on their entire portfolio. Thus, even a retired couple will contribute to this option, often without realizing it! Other insurers increase their premiums in Asia for example, when some will do that in Arabic countries… For all these reasons, you must regularly compare, especially at certain times of life (moving, got a new child…).