Depending on the type of insurance you're getting, insurance companies need information such as:
your age
your gender
your medical history in the case of life insurance or disability insurance
any previous claims you've made
the amount of coverage you're asking for
Insurance companies will consider the risk of insuring you and will assess your eligibility to get coverage . This is a called an underwriting process.
The underwriting process will determine:
how much coverage the insurance company will provide
which conditions, if any, are excluded
the premium you'll need to pay