Numerous experts consider health insurance as a very important part of your insurance cover. This is right in Great Britain too, notwithstanding having the NHS as a total service. With good quality health insurance you have much more flexibility in terms of appointment times, specialists, therapy choices, a choice of hospitals, usually with lower infection rates than the NHS leading to getting on the road to recovery double quick.
Like all insurance polices there are many variables that will affect how much you pay for your health insurance. Your previous and current medical history along with your family history you can’t really alter but there are 3 major parts of your life you can affect and drop the expense considerably.
Give up smoking – It is a proven medical fact that smokers live shorter lives and are far more likely to suffer from a host of chronic medical conditions affecting your lungs, heart, blood vessels, brain, mouth and throat. From asthma to cancer you are at higher risk.
As their name suggests chronic disorders need constant treatment which is expensive so your premiums will be too. You must throw away the tobacco today and stick to it. After 12 months not smoking your premiums may well decrease substantially.
Don’t think you can substitute sniffing or chewing tobacco for smoking it. You can’t so just accept it and stop.
Drop a few pounds – Carrying around excess fat is bad for you on many levels so bite the bullet, accept you’re overweight and start to change. How much to lose can cause some people problems so it is probably easiest to go by your body mass index, which allows for both your weight and height.
Rather than get out your calculator and work it out buy some modern electronic scales that will do it for you. Virtually all models will calculate your BMI for you so you know where you are. There will be a simple booklet explaining BMI and telling you your targets.
You don’t have to lose a huge amount of weight to get the health benefits and this is reflected in your premiums. The end point you should be aiming for over a few months is to get your BMI and weight at healthy levels. Not only will you feel like a new person. your premiums will drop as well.
Be more active – It isn’t as hard as you think to get fit. Something as simple as a 30 minute daily walk makes a huge difference. There is plenty of evidence that moderate exercise produces major health benefits. Regular exercise will usually be reflected in lower premiums as well. So start doing something physical you enjoy several times a week.
Applying these 3 simple things are a great first step towards health and a longer, more active and enjoyable life, as well as a positive move towards reducing your health insurance premiums. With nothing to lose it seems like a sensible thing to do.
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