The cost of an accident and sickness insurance policy depends on a number of factors. These include: Your salaryYour ageYour occupationYour deferred periodYour level of coverPre-existing conditions The cost of your policy can also change over time depending on the type of premiums. Fixed premiums are typically more expensive when you first purchase your policy but they won't change over time. On the other hand, reviewable or age-linked premiums may be cheaper at first but will increase the longer you have your policy. To find a good deal on a long-lasting policy, it's important that you take all of these factors into consideration while shopping.