The determining factors are as follows: Current health status – To determine the eligibility, the insurance companies check the health conditions of the policy-seeker of the previous few months. After the evaluation, the company establishes the degree and extent of the risk. On the basis of that, the insurer may reject or approve the coverage. Family’s financial capacity – On the basis of the total income of the family of the disabled person the insurance coverage and the allocated premium is determined. If the person belongs to the poorer economical class, it is likely to have a lesser premium rate.