Registered Insurance Brokers of Ontario (RIBO) Practice Exam

The factor least likely to affect the rate or premium charged for a travel health policy is the insured's criminal history. Travel health insurance primarily assesses risk based on medical-related criteria. Factors such as current health status, medical history, and age are significant in determining the likelihood of health issues arising during travel, which would directly influence the premium.

The medical history provides insights into pre-existing conditions that could lead to claims, while current health status reflects any immediate risks. Age is also a crucial factor, as it is generally associated with the likelihood of health complications. In contrast, a past conviction for a criminal offense does not have a direct correlation to health risks and, therefore, does not substantially impact the premium costs for travel health insurance.