We rank on value, not just price — a cheap plan with a room-rent cap is not cheap on claim day. Every quote lists its exclusions before the buy button.
What the underwriter rates on changes per line.
Group lines price per life.
More cover, more premium — but the cap is what pays.
Premiums step up at 45, 55 and 60.
Metro treatment costs more.
Each trait opens the cover it implies and loads the premium.
Each add-on adds ~6% to the premium.