Modern India has come a long way when it comes to financial planning and prudence, a fact that is heavily emphasized by the increasing number of health insurance subscribers in 2023. People have started to realize that these insurance policies are downright essential when it comes to protecting their health and financial well-being, especially when medical inflation has turned out to be a major speed breaker. A good health insurance plan can come in a wide range of varieties, and it ultimately burns down to your specific requirements as to which plans you would be going for, but if there's something common amongst all of them, it is that all of them can be influenced in a number of ways by the lives that we lead on a daily basis. Yes, you heard that right! Your favorite treks might be affecting your insurance premiums in more ways than one. In this blog, we will be taking a look at some of the top lifestyle factors that can affect our health insurance coverage/ policy and decipher what are some of the modifications and changes that we can make to our current routines so as to extract the best possible results from our policies. Trust us on this, but your health insurance plan is possibly one of the best guides when it comes to telling you how to live a possibly healthy life. So, let's get started.

#1 Adventure Sports

If you are someone who prefers living your life off the beaten path, it is a fact that would be reflected in your insurance policy as well. While filling out your insurance forms, you would be required to deliver a detailed account of the activities that you participate in, and if you are someone who loves skydiving or car racing, your insurance premium would certainly reflect that by surging towards the higher side.In some cases, you may be asked to go for a plan that is specifically designed for such active individuals, but the premiums are bound to be costlier, thanks to the inherent risks involved. Now, this is a lifestyle aspect that really depends on one's personal tastes and preferences, so what we would suggest is that you pick a health insurance plan that covers your activities without going into a lot of caveats or conditions.

#2 Smoking

If you are someone who loves to move through packs of cigarettes on a daily basis, this is the one for you! As you may already be aware, smoking regularly brings a lot of health ailments, with conditions like lung diseases being observed on a regular basis. The insurance companies are aware of the risks that smoking may pose, and to that end, they would obviously ask you to go for higher premiums as the risks that they are covering are heightened. If you are looking to cut down on your health insurance premiums, getting off smoking is one of the best things that you can do. Yes, it is going to be a gradual process, but the advantages that it would bring to the table would certainly be something worth looking into.

#3 Inactivity/ Obesity

Just as extreme sports can push up insurance premiums, an inactive lifestyle can have a similar effect as well. For starters, there are a large number of negative effects that a lazy lifestyle and obesity can bring to the table, and insurance companies do account for that as well. Diabetes is one of the main health conditions that is heavily linked to obesity, and as we are already aware, diabetes can give birth to a number of other health complications. The best manner in which you can extract the best out of your health insurance policy is by getting up from the couch for once and engaging in physical activities, ones that would help you get into shape and bring down your insurance premiums as well.

#4 Occupation

There are certain occupations that are inherently riskier than the rest, and it can safely be said that someone who works in the mines faces a lot more physical hazards than someone who has a desk job and such hazards are factored in by the insurance companies while creating the policy quotes. In this situation, the best way of getting the best value from the policy that you are picking would be to select one that covers the emergencies and hazards that you might be facing. Coordinating and communicating thoroughly with your insurance agent can help you understand the various terms and conditions involved with the policies.

#5 Driving History

Indian roads can be pretty risky, and the number of accidents that take place here on a seemingly daily basis proves it beyond doubt! Medical insurance companies would analyze your driving trends and patterns, something that would take your previous accidents or penalties into account as well. For someone having a clean driving habit, the premiums would be significantly lesser. A health insurance plan would reward you massively if you are a safe driver, so that is something you would want to keep in consideration as well.

#6 History of illnesses/ family history

There are certain medical conditions that are hereditary in nature, while there are others that might be posing a serious threat in the future. Now, if you are looking to get health insurance, these are some of the primary conditions that would be taken into consideration. While filling out the forms, you would be required to fill out these details, and it would probably be a good idea to do it as accurately as possible as that would help you get the best deals and policies there are.

Final Take

Our lifestyles influence the trajectory of our lives in myriad ways, and certainly so when it comes to our health insurance plans. Leading an active and healthy life can help you get the best deals there are when it comes to medical policies. In this day and age, there's no dearth of good insurance schemes, so get one that suits your needs and purposes in the best manner possible.