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Why are men more expensive to buy insurance than women?
First of all, different lifestyles.

Compared with women, men live a little rough. Often eat takeout, stay up late playing games, and don't pay attention to the details of life, such as throwing socks, underwear and towels into the washing machine.

These living habits are nothing in the short term, but they are more serious in the long run. Besides, men have more bad habits than women, such as smoking and drinking.

Smoking: Smoke enters the mouth, passes through the throat, trachea and bronchus, and enters the blood, which is harmful everywhere. If you smoke for a long time, you will increase the risk of thrombosis, heart disease, stroke and cancer.

As far as COVID-19 is concerned, the inflammation caused by virus and smoke makes the lung function more fragile.

The survey report on adult tobacco in China from April 38 to August 2065 shows that the smoking rate of men in China is 50.5%, while that of women is only 2. 1%, which is consistent with the probability of sexual infection and death of men and women.

Drinking: it affects health and is easy to do bad things.

A small amount of drinking has little effect on health, but long-term excessive drinking is very harmful.

Excessive drinking will damage the liver, stomach and other organs of the body and increase the prevalence of cancer. Alcohol intake is also associated with hypertension, diabetes and obesity.

In addition, drinking is easy to spoil the broth. People often lose their minds when they are drunk and don't know what they have done. If you look closely, you will find that most insurance products include "caused by drunkenness" in the exemption clause.

20 17 "moderate drinking among drinkers in China" shows that at present, the drinking rates of men and women in China are as high as 84. 1% and 29.3% respectively.

There are other differences, such as men's lack of exercise, irritability, great mood swings and more social intercourse, so I won't elaborate here.

Second, men are more likely to suffer from serious diseases.

According to the data released by CIRC 20 13:

The proportion of China residents suffering from major diseases in their lifetime is about 74% for men and 68% for women.

The data of Beijing Cancer Prevention Office is even different. Among the new cases of lung cancer in 20 12 years, male patients accounted for about 6 1.35%, and female patients accounted for about 38.62%, the difference was more than doubled.

Sadly, men not only have a high probability of getting sick, but also have a low cure rate. The average cure rate of serious diseases in men is 60%, and that in women is 76%.

The reason for this is that on the one hand, the living habits are not as good as those of women, and on the other hand, men prefer to "carry" when they are sick.

When I checked carefully, the aunt who screamed at the ailment, danced square dance all day and forwarded health tips at home was in good health. On the contrary, old people who feel strong are often sick.

Indeed, men see a doctor less frequently than women by 28%. Women are often diagnosed and treated at the early stage of illness, while men usually go to the hospital when their illness is serious.

If you don't face it and subconsciously escape, it will really kill you. Being strong doesn't mean being brave. If you get sick, go to the hospital in time, find it early and treat it early, and the outcome may be different.

Third, the average life expectancy of men is lower than that of women.

Since ancient times, the average life expectancy of women has been longer than that of men.

Some people say that "women are emotional animals, and they will cry for a little thing;" Men, on the other hand, don't cry lightly, but they are more in their hearts when they are in trouble. "Tears are also a way to detoxify. After crying, I felt much more relaxed. Obviously, crying is not a bad thing.

However, the reason for the difference in life expectancy between men and women is not simply crying, but more hormones.

Male hormones secreted by men include genes that accelerate operation. Compared with estrogen, the metabolism of androgen is more vigorous, so men need to consume more oxygen than women, and the generated active oxygen makes men live shorter than women.