Know How Obesity Can Impact Health Insurance Premium

HEALTH INSURANCE PLAN



A sedentary lifestyle can be harmful to health in the long run. It can lead to obesity, a condition of excessive accumulation of fat in the body. Obesity in India is an emerging health issue. Besides the lack of physical activity, consumption of unhealthy foods, and metabolism imbalance are some reasons which lead to obesity.

Being overweight is mainly a health issue, and not about physical appearance as many people perceive it to be. Having a healthy weight is pivotal in keeping many illnesses at bay. Obesity is one of the root causes of ailments, such as diabetes, hypertension, osteoarthritis, respiratory disorders, kidney problems, heart diseases, and stroke. Therefore, it is essential to maintain ideal body weight by leading an active lifestyle.

>>Read: How Obesity is Injurious to Your Health?

The Importance of Health Insurance

For a majority of people, a hectic lifestyle has left no time for fitness exercises. So, a sedentary routine accompanied by unhealthy eating has become the primary reason for obesity. The prevalence of obesity in India is high among people in urban areas compared to the rural population.

The increased health risks that obese people face point towards the need to follow a fitness routine or weight loss regime. Also, staying prepared financially to deal with any medical emergency is a step in the right direction. When buying a health cover, it is essential to remember that the health insurance premium will depend on several factors. That includes the amount of coverage, age, health conditions, family medical history, lifestyle, and Body Mass Index (BMI). The BMI is a measure of a person’s weight with respect to one’s height. This figure helps in knowing if a person is overweight or obese. If it is within the range of 25 to less than 30, the person is overweight, while if the number exceeds 30, then the person is in the obese range. The fact that healthcare costs are rising is a valid reason to opt for a health insurance plan with a high sum insured. It is especially true for people who struggle with obesity. Doing so will keep one stress-free about future medical expenses.

Premium is Likely To Be Higher

As mentioned above, age and health conditions can impact the medical insurance premium costs. It implies that if you delay buying a health cover, it is likely that you end up paying more for your health insurance premium. For people buying health insurance obesity cover, the premium costs are likely to be on the higher side. Besides, health risks would increase as time goes by. So, getting affordable coverage becomes difficult. Hence, it is better to buy a policy as early as possible.

Tips to Lower Premium Cost

As discussed above, it is wise to buy health insurance plans early in life so that you do not face any hassle in getting health cover later on. Further, you must tackle obesity by following a healthy lifestyle. Eating nutritious food and maintaining an active lifestyle helps you keep fit and shed excess body weight. Make sure you choose a fitness regimen that works best for you. This way, you will not have to pay a high premium. Moreover, going for regular health check-ups is advisable. It will help in detecting a health problem and nipping it in the bud.

Look after your health and that of your loved ones. Buy health insurance, which will ensure easy access to the best healthcare. Visit Care Health Insurance (Formerly Religare Health Insurance) official website to know about the various health insurance plans. Avail of benefits such as annual health check-up, no claim bonus, and cashless hospitalization, to eliminate the burden of hefty medical bills.