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How Your Lifestyle Affects Health Insurance Premiums?

Published On Apr 20, 2023 10:10 AM By InsuranceDekho

It is rightly said “health is wealth” but the sedentary lifestyle that we have been following has given rise to a number of lifestyle diseases. Times are such that we hardly get time to focus on our health and take necessary measures to keep a check on our overall well-being. Moreover, an unhealthy lifestyle also affects health insurance premiums.

How Does Your Lifestyle Affect Health Insurance Premiums?

The answer to whether or not your lifestyle affects your health insurance premium is yes. Let us understand this with an example, Shyam and Ram are two friends who recently bought a health insurance plan. They noticed that their health insurance premiums are different. On talking to their insurer, they found that since Shyam is a smoker, his health insurance premium is higher. On the other hand, Ram, who leads a healthy lifestyle, has a lower health insurance plan. So, it is important to note that health insurance companies take into account your lifestyle while evaluating health insurance premiums. This is because an unhealthy lifestyle increases the risk of diseases. 

Lifestyle changes and the need of health insurance plans

5 Lifestyle Changes To Adapt For A Healthy Life

There are a number of ways in which you can alter your lifestyle and lead a healthier life. Listed below are the lifestyle changes that you can adapt for the same:

  • Exercise

First and foremost, you need to make it a priority to exercise regularly for at least 15-20 minutes. You can indulge in cycling, swimming, jogging, yoga, or any other form of exercise that will be helpful in burning those extra calories from your body. Exercising on a regular basis will also be helpful in keeping health issues at bay.

  • Sleep Better

Like everything else, sound sleep is also very important. According to different studies, it has been found that improper sleep creates an adverse effect on your overall well-being and creates a negative effect on the functioning of hormones. If you do not have a proper sleep cycle, then it also results in an increase in overall weight. So, it is very important to take care of your sleep cycle and sleep for at least 6-8 hours on a daily basis. You should also make sure to sleep on time for an even healthier lifestyle.

  • Eat Healthy

In addition to everything else, it is also important to take care of your eating habits to monitor your overall health. It is crucial that you cut down on the consumption of junk foods and instead include fruits, green vegetables, and other such food items. You must ensure to have a balanced diet and consult a doctor to understand your nutritional needs in the best way possible. Moreover, you should also ensure to eat on time and never skip your meals.

  • Say No To Alcohol And Smoking

Saying no to alcohol and smoking is one of the must-do in order to improve your health. This is because the consumption of alcohol creates a harmful impact on your health and affects different organs such as heart and kidney. 

  • Consume an Adequate Amount of Water

Last but not the least, it is important to consume an adequate amount of water. You must consume at least 6-8 litres of water on a daily basis as the same will be helpful in flushing out toxins from the body, aiding weight loss, keeping skin healthy, and more.

Take Away

Thus, it is evident that an unhealthy lifestyle affects your health insurance premium. So, it is better to lead a healthy lifestyle and safeguard both your health and money. You can also explore a number of health insurance plans on InsuranceDekho.

Also Read: 

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This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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