How Yoga Can Prevent You from Claiming Health Insurance?

Yoga is an ancient practice followed by people across the world due to its numerous physical, emotional and mental health benefits. It helps in overall fitness, weight management, building immunity, maintaining inner peace, stress relief, etc. But with yoga, you can also save on your health insurance premiums and prevent raising a claim.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      valid-mobile-number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Yoga incorporates breathing exercises, meditation, and poses that encourage relaxation. Moreover, by practising yoga, you can not only achieve overall body fitness but it can also help you to reduce the overall insurance cost at the time of policy purchase. Read further to know how yoga can restrain you from claiming health insurance.

      Lower Premium

      The premium of a health insurance policy depends on various factors, including the medical history of the policy buyer. A person with a good health will need to pay a lower premium comparatively. Thus, if you do yoga regularly then you can ensure all-round fitness and stay fit and healthy. By being healthy you will fall under the category of ‘Healthy Lives’, which the insurance companies consider a low-risk category.

      If you are unhealthy or you have a prolonged health-related issue, then it is very much possible that the insurance company will charge a high premium rate for insuring your life. Also, in some cases, the insurer may deny insurance too. So, with the help of yoga, you can not only stay fit and have peace of mind but it can also help you to save some extra cents on your premium amount.

      Higher Coverage

      Practising yoga regularly increases immunity, reduces the heath related risk, and also improves overall health development. By staying healthy, you can reduce the spending on health care expenses. Moreover, you can avail a comprehensive coverage with a minimum exclusion under the health insurance policy at a lower premium rate. The coverage offered by the health insurance policy includes pre and post hospitalization, in-patient hospitalization, day-care procedure, domiciliary hospitalization, etc. Therefore, yoga helps you to maintain a healthy lifestyle and also to avail comprehensive coverage under the policy.

      Avail No-Claim Bonus

       Following a healthy lifestyle and doing yoga regularly protects you from different illnesses. If you stay healthy and not have any illnesses then you will not need to file a claim under the policy, as a result of this, you can avail the benefit of a no-claim bonus as a reward.  If you purchase health insurance in India, you will not require making a health insurance claim under the policy if you stay fit and healthy. For not claiming during a policy year, the insurance company will reward you with a no-claim bonus (NCB).

      No-claim bonus helps you to avail an increased health coverage without paying an extra premium. Most of the health insurance companies offer a no-claim bonus in the range of 10% of the sum insured to a maximum of 50%-100% of the sum insured, in case of a no-claim plan year. Thus, by staying healthy by practising yoga, you can ensure to have an increased health coverage at the same premium rate.

      Special Savings

      By staying healthy and fit, you can enjoy various savings in terms of wellness programs offered by the insurance company. Many health insurance companies also offer savings on premiums, if the policyholders meet the pre-defined criteria of wellness and fitness. The primary reason for offering these rewards is that there are lower chances for a healthy individual to have any medical issue or go for medical treatment, therefore their chances of filing a claim also reduce to a great extent, which in result saves the health insurance companies cost. This benefit of cost-saving of the insurance company is passed on to the customer in form rewards on health and wellness.

      Reduces Vulnerability

      The hectic lifestyle of the present day, no physical activity, and deteriorating environment are considered as the major factors for critical illnesses. The treatment of critical illnesses like kidney failure, cancer, diabetes, and heart attack can cost you in lakhs and most of the times it becomes unaffordable for the family to bear the cost of treatment due to the skyrocketing cost of medical treatment. The average cost of treatment for critical illnesses like heart attack, cancer, kidney failure is around 5 Lakh – 20 Lakh over a specific tenure.

      By staying healthy and fit by doing yoga regularly, you can reduce the chances of having any critical illnesses, reduce the insurance cost, and can also save a huge amount of the treatments that would have been incurred due to critical illness.

      Wrapping it Up!

      Thus, with the above-mentioned points, it can be justified how practising yoga not only helps in the overall fitness of body, spirit, and mind, but it also keeps you away from illnesses and helps you to save on your health insurance policy by restraining you from making a claim.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does HDFC ERGO Health Insurance Cover Dental Treatments?

      22 May 2024

      HDFC ERGO General Insurance Company offers various health
      Read more
      Does Aditya Birla Health Insurance Cover Dental Treatments?

      17 May 2024

      Dental insurance is vital in maintaining oral health by covering
      Read more
      Does Niva Bupa Health Insurance Cover Dental Treatments?

      06 May 2024

      Dental insurance covers regular dental check-ups and treatments to
      Read more
      Surgeries Covered by TATA AIG Health Insurance Plans

      26 Apr 2024

      Amidst the escalating healthcare costs nationwide, managing the
      Read more
      Surgeries Covered by Liberty Health Insurance Plans

      26 Apr 2024

      Liberty General Insurance Limited offers a range of comprehensive
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Zero Waiting Period in Health Insurance Plans
      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
      Read more
      Heart Surgery Cost in India
      Heart diseases are the leading cause of death across the globe. As per a survey by the World Health Organisation
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL