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In social media or real life, wherever you look, there's a "get in shape" and a "eat healthier" message that you cannot avoid seeing. Even though it might sound a little too much, you need to pay attention. Some of the gurus and gym heads who seem to sneak their way onto your devices, TV, and magazines could benefit some of you who have been boohooing about your health insurance premiums.

Don't Worry!

You don't have to give up pizza and wings forever, but you will need to cut back and include a more nutritious diet if you want to save money on your insurance. And you'll need to work out at the gym or engage in some other form of physical exertion - or anything that looks like exercise. Your monthly premium is determined by several factors related to your health and physical fitness. The less healthy you are, the more you will have to pay in monthly installments.

Here's how it works

If your BMI (Body Mass Index) is high, you will pay a much higher premium than people with a normal BMI. You will be considered high risk and will be well on your way to diabetes, high blood pressure, high cholesterol, heart disease, joint problems, cardiovascular artery disease, stroke, and sleep apnea. You'll be on a slew of medications, highly specialized treatments, and expensive procedures, all of which will cost the insurance company more money. But wait, there's more! They will simply raise your rates. It's unfortunate, but it's the truth.

If you smoke cigarettes or smoke cigars during your lunch break, you'll need to kick the habit quickly, quickly, and quickly. Tobacco products such as cigarettes, cigars, chewing tobacco, or snuff are frequently punished severely by insurance companies. You may be charged a higher premium or they may simply refuse to provide you with coverage.

Even if you stopped using tobacco a long time ago, even years ago, you may be charged more. Tobacco users are more likely to develop cancer, heart disease, and emphysema. And, after years of smoking, it may take some time for any negative issues to the surface or for someone to recover from tobacco-related illnesses. So don't even consider smoking if you haven't started already.

Your job can influence the cost of your insurance premiums. It's great to have a job that doesn't require back-breaking labor, but if you're sitting all day doing repetitive tasks, the insurance company may have a problem. Sedentary jobs may lead to cardiovascular disease, so you may have to pay more for insurance.

But all is not lost. If you get your act together, start exercising and eating healthier, you may be able to contact your insurance company and inform them of your lifestyle changes. Some insurance companies have been known to lower rates for customers who can demonstrate that they have made the effort to become physically fit.

Advantages of staying fit

Pay Less for Health Insurance by Staying Fit

This allows you to maintain your physical fitness. Because most insurance providers base premium rates on the fitness status of the insurance buyer, one automatically benefits from lower premiums when compared to an unhealthy individual. A healthy person falls into the category of 'Healthy Lives,' which is a low risk group of people. Living a healthy lifestyle makes one less prone to illness, lowering the likelihood of filing an insurance claim. As a result, these individuals benefit from lower premiums for the medical insurance Dubai.

On the other hand, those classified as high risk must pay higher premiums. If the health risk is high, the application for insurance may be denied. Furthermore, health insurance companies in the UAE offer nonsmokers special discounts or comparatively lower rates. As a result, by living a healthy lifestyle and staying fit, one can save significantly on their insurance premiums.

Increase Your Medical Insurance Coverage

Regular exercise boosts a person's immunity, improving their overall health. This allows them to obtain much more comprehensive coverage with fewer exclusions. If you are in good health, you will not need to make a claim on your health insurance policy. As a result, you will be able to earn the No Claim Bonus (NCB) for each claim-free year. Either an increase in the total sum insured or a discount on the premium rates for the following year is offered as the NCB. This NCB bonus can range from 10% to 50% or even 100% in some cases. As a result, exercise is not only beneficial to your health but also beneficial to your bank account. While keeping fit helps you avoid diseases, it also enables you to obtain affordable premiums for adequate health insurance.

Get Health Insurance Plan Wellness Discounts

Since the insurance industry is so competitive, many insurance companies have developed innovative products to attract more customers. The wellness program is one such product. This wellness program is available in addition to some UAE health insurance plans. Under this scheme, insurers provide discounts to individuals who meet the predetermined wellness criteria. Yoga is an excellent way to maintain your body and mind fit. Certain yoga techniques aid in striking a balance between the mind and body, reducing stress while keeping an individual fit. If you don't have a medical history and meet the pre-defined wellness criteria, you can get a special discount on your premium.

Less claims on their policies are the goal of this scheme, which will save the insurer a tonne of money. In return for helping insurers save money, healthier people receive a wellness discount on their medical insurance. For instance, some insurance providers offer rewards points or a discount on policy renewal if policyholders maintain an active lifestyle by walking 10,000 steps per day.

Reduces Risk of Critical Illness

Because of the intense competition in this fast-paced world, we are all required to put in a lot of time at the office. Long periods of sitting at our desks can be detrimental to our health. Furthermore, a lack of exercise and poor eating habits contribute to an increase in the occurrence of life-threatening diseases in our society. Cancer, organ failures, strokes, and other critical diseases not only leave an individual physically and emotionally distraught, but they can also have a significant financial impact.

Each year, medical costs soar, and as a result, the cost of healthcare is becoming intolerably high. Medical expenses can quickly burn a hole in one's wallet. Insurance consultants therefore advise that everyone obtain critical health insurance coverage.

Conclusion

Even if you have health insurance, you should take precautions. Exercising, yoga, swimming and other physical activities is a great way to stay fit. It can help you avoid contracting any of these serious illnesses, allowing you to avoid using your insurance. But, more importantly, it can spare you the agony of dealing with these diseases. Furthermore, having to pay for medical expenses will save a significant amount of money.

As a result, it not only revitalizes your mind and body, but it is also the key to living a healthy life. It nourishes the entire human body while also encouraging you to be a better person. Staying physically and mentally fit has the power to keep diseases at bay, allowing you to obtain affordable health insurance in Dubai and the UAE. So, begin practicing today to secure your future!