Married female rate

It is a maternity charge, not a marriage charge

The married female rate exists because maternity is the benefit most likely to be claimed and most predictable in timing. An insurer pricing a married woman of 27 is pricing the probability of a delivery inside the policy year. That is why the loading follows the childbearing curve rather than tracking marital status at every age.

The curve, measured

Across the charts Rabt currently holds, the married female premium sits above the single female premium by roughly 42% to 97% at ages 21–25, 24% to 56% at 26–30, and 15% to 34% at 31–35. By 41–45 the gap is 2% to 4%. From 51 onwards it is nil — the two columns print identical figures.

Not every chart prices it

Some UAE charts carry a single FEMALE column and no marital split at all, pricing the maternity expectation into that one rate. Others carry SINGLE FEMALE and MARRIED FEMALE as separate columns. A third pattern prices a married-female loading as an additive rider row alongside the base rates rather than as its own column.

Comparing a chart that splits by marital status against one that does not is comparing two different products, and doing it in a spreadsheet is where the error creeps in.

What a broker has to ask

Marital status, at quotation, for every adult female member — because on a chart that splits, quoting the wrong column is a material misquote that only surfaces at policy issue.