We are aware that we cannot provide complete information about an exact premium calculation. It is a matter of customisation and many factors play a role in medical conditions. However, the basic principle at De Hoop is that we strive to ensure that as many people as possible can take out life insurance. This is especially important for people with a chronic illness or medical condition. In a limited number of cases, a medical risk cannot be insured and someone must be rejected. Fortunately, thanks to our customised routes, we can offer good life insurance for 96% of the applications we receive. Whether someone can or wants to pay the premium is another matter. In any case, we try to do everything we can to keep the premium as low as possible because we do not want people to be uninsured against their will.