How can buying insurance motivate you to maintain a healthy lifestyle? [Boss Insurance]

How Can Buying Insurance Motivate You To Maintain A Healthy Lifestyle?

Often, health insurance coverage is assumed to be useful primarily during hospitalization. However, recognizing the need to maintain a healthy lifestyle to prevent the incidence of related diseases, insurers in India have included a host of additional benefits in their health insurance products to guide the insured in inculcating better habits.

As a result, purchasing health insurance can not only help policyholders in an emergency, but also motivate them to adopt a diet and exercise to stay fit.

Wellness programs and an on-call coach for better support

An innovative offer increasingly coupled with health insurance; wellness programs are health initiatives that aim to promote well-being. These programs aim to guide policyholders on how to create and maintain a proper diet, develop an exercise routine, and even provide advice on better stress management. Offered at no additional cost, these wellness programs are complemented by the availability of a wellness coach who is available on call for additional personalized advice. The combination of a passive wellness program and a wellness coach can motivate policyholders to make lifestyle changes and prevent the onset of many serious illnesses.

Provision of an annual health check to detect disease before it becomes high risk

Even for people without previous hospitalization or incidence of illness, it is necessary to undergo periodic health evaluations. Yet most adults do not submit to annual health checkups unless instructed by their doctor. By subscribing to health insurance cover, insured persons are entitled to a free annual health check-up in the event of non-hospitalization during the insurance period. This ensures that even for those who are self-employed, a health insurance policy can help determine any impending disorder or diagnose serious illness at an early stage, thereby reducing the complexity or risk involved if the same were detected at a later stage. later stage.

Educational health library and call-to-a-doctor features

Some insurers leverage their knowledge base by providing their policyholders with 24/7 online access. These educational health libraries contain information about different diseases, how they spread in the body, and the changes that can be taken in daily life to prevent or reduce the risk of contracting them. Online health guides and videos help understand even complex medical concepts or terms and even offer advice on how to maintain a healthy lifestyle.

Plus, features like live chat with a health expert can help policyholders clear up any doubts or get personalized advice on specific conditions. Thus, these online repositories of health-related information can go a long way in motivating policyholders to adopt healthier habits, reassuring them about existing illnesses, and even fighting them without undue stress.

Periodic newsletters with health-related articles

One of the most common benefits associated with purchasing health insurance coverage is access to newsletters containing nutritional information, diet tips, and access to study materials that can guide policyholders in maintaining optimal health. These newsletters are shared on a weekly or monthly basis and provide information that can be very helpful in making small changes to your lifestyle.

Examples are simple food recipes to replace unhealthy foods for people with specific conditions like diabetes, exercises that can prevent conditions like spinal dysfunction, and even changes to the sleep cycle to improve levels. physical and mental stress. Plus, with articles written by industry experts and renowned physicians, policyholders benefit from quick access to information that would otherwise only be available in medical journals or magazines.

As can be seen, purchasing health insurance coverage is a precursor to maintaining a healthy lifestyle due to the multitude of benefits and features that come with it. It is therefore prudent to ensure health insurance coverage as soon as possible and to use all the services that are offered to lead a healthier life.

Sharad Mathur, Managing Director and CEO, Sompo universal general insurance

These are some of the ways to reduce the health insurance premium.