In fact, lifestyle choices play a big role in determining your insurance premiums. Insurers offer lower premiums to those with a healthy lifestyle or sometimes discounts on maintaining good health. For instance, the premium loadings are applied for high BMI or -for smokers or people who consume liquor.
Ditching one bad habit at a time and adapting to healthier habits may protect you from serious health problems like
obesity, diabetes, and high/low Blood pressure making you less prone to critical health illnesses. Healthy eating and regular physical activity, can help you manage your weight, keep yourself physically fit and more energetic.
Unhealthy habits like drinking, smoking will only result in deteriorating your personal health and ending up paying hefty premiums on the purchase of insurance policies. Maintaining good health and controlling weight will help you improve your cholesterol and blood pressure levels, which can, in turn, lead to normal premiums and sometimes discounting for maintaining good health.
The prevalence of prediabetes in India is growing significantly. If not regulated on time, prediabetes can progress to Type 2 Diabetes. A sedentary lifestyle along with inadequate sleep and increased stress levels are aggravating the onset of prediabetes even if there is no genetic predisposition.
You must look at the expenses of maintaining your lifestyle over your spending on health treatments, you may get some insights. Even poor air quality index and rising pollution levels mixed with hectic schedules are impacting people of all ages. Today, even youngsters can be seen suffering from lifestyle diseases such as heart disease and stroke.
When you apply for an insurance plan, companies may pay special attention to your lifestyle and profession. All information shared plays a key role in determining your suitability for the coverage and insurance costs.
In the last two years, the Covid-19 pandemic has in many ways taught us how deeply health and finance are linked. Caring for your health and improving your lifestyle can actually help you save money on premiums. Positive changes made to your lifestyle can not only lead you to a healthier life but augur well for your finances too.
Reliance General Insurance provides you with six different health insurance plans to choose from that can fulfil your health needs.
- Reliance Health Infinity Insurance
- Reliance Health Gain Policy
- Aarogya Sanjeevani Policy
- Reliance Personal Accident Policy
- Reliance Critical Illness Insurance
- Reliance Super top-up Health Insurance
Benefits of buying health insurance from RGI:
- Multiple plans available under one umbrella
- High claim settlement ratio and Lowest grievance ratio in GI Industry.
- Multiple optional sum insured plans
- Wellness services and Doctor at call.
- Cashless hospitalization in 8500+ hospitals across India
- Tax benefits under section 80D of the Income Tax Act
- Better discounts under special conditions
- No claim bonus discount
- Pre and post hospitalization expenses
- Annual health check-up
- Maximum hospitals empanelled
You are more likely to sail through any medical emergency if you are living an active and healthy life. One must take care of their health on priority to avoid uncalled for situations. To
spend less on your insurance premiums, opt for a healthy lifestyle and live a less stressful life with importance to physical and mental wellbeing.