Your lifestyle is costing you more than your health, here’s what you need to know
In fact, lifestyle choices play an important role in determining your insurance premiums. Insurers offer lower premiums to those who have a healthy lifestyle or sometimes discounts on maintaining good health. For example, premium loadings are applied for high BMI or for smokers or people who consume alcohol.
Quitting one bad habit at a time and adjusting to healthier ones can protect you from serious health issues like
obesity, diabetes and hypertension/low blood pressure making you less prone to serious illnesses. A healthy diet and regular physical activity can help you manage your weight, stay physically fit and more energetic.
Unhealthy habits like drinking, smoking will only deteriorate your personal health and end up paying high premiums when buying insurance policies. Maintaining good health and controlling weight will help improve your cholesterol levels and blood pressure, which in turn can lead to normal premiums and sometimes reductions for maintaining good health.
The prevalence of prediabetes in India is increasing dramatically. If not regulated in time, prediabetes can progress to type 2 diabetes. A sedentary lifestyle, insufficient sleep and increased stress levels aggravate the onset of prediabetes even if there is no has no genetic predisposition.
You need to look at the expenses of maintaining your lifestyle versus your expenses for health treatments, you may get insights. Even a poor air quality index and rising pollution levels combined with busy schedules impact people of all ages. Today, even young people can be seen suffering from lifestyle-related illnesses such as heart disease and stroke.
When you sign up for an insurance plan, companies may pay particular attention to your lifestyle and occupation. All information shared plays a key role in determining your suitability for coverage and insurance costs.
Over the past two years, the Covid-19 pandemic has taught us in many ways how intertwined healthcare and finance are. Taking care of your health and improving your lifestyle can actually help you save money on premiums. Positive lifestyle changes can not only lead to a healthier life, but also bode well for your finances.
Reliance General Insurance gives you six different health insurance plans to choose from that can meet your health needs.
- Reliance Health Assurance Infinity
- Dependency Health Gain Policy
- Politics Aarogya Sanjeevani
- Reliance Personal Accident Policy
- Reliance Critical Illness Insurance
- Reliance Super Health Supplement
Advantages of taking out health insurance with RGI:
- Multiple plans available under one umbrella
- High claim settlement rate and lowest grievance rate in the GI industry.
- Optional Multi-Sum Insurance Plans
- Wellness services and on-call doctor.
- Cashless hospitalization in over 8500 hospitals across India
- Tax benefits under Section 80D of the Income Tax Act
- Best discounts in special conditions
- No claim bonus reduction
- Pre and post hospitalization costs
- Annual health check
- Maximum hospitals formed
You are more likely to go through a medical emergency if you lead an active and healthy lifestyle. You have to take care of your health as a priority to avoid unjustified situations. For
spend less on your insurance premiumsopt for a healthy lifestyle and live a less stressful life with importance for physical and mental well-being.