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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.
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- How Practicing Yoga Can Restrain You from Claiming Health Insurance
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.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
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*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
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