Yoga is an age-old practice that unites the body and the mind and is practised by people worldwide to lead healthy lives. Yoga aids in general health, weight control, immune enhancement, inner peace, stress reduction, etc. Yoga has recently grown in popularity due to the multiple physical, emotional, and mental health benefits it provides. You can even lower your health insurance premiums and lead a healthier lifestyle by practising yoga. Let’s explore more in this post.
Yoga involves calming positions, breathing techniques, and meditation. Furthermore, practising yoga can help you attain not only total body fitness but also cut overall health insurance costs at the time of policy purchase due to the fitness you gain. Continue reading to learn how yoga can prevent you from submitting a health insurance claim.
Yoga - An Age-Old Experience
Numerous diseases have their origins in stress throughout time. Yoga for stress management is thus done to assist people in avoiding ailments linked to stress.
Yoga is a centuries-old form of body-and-soul equanimity that has been practiced by people in India. For a very long time now, not just Indians but people all over the world have started to believe in and practise yoga for good health. Yoga is an effective art form that keeps you healthy and eliminates the requirements of filing a health insurance claim.
Yoga is beneficial to leading a healthy lifestyle. It improves immunity and aids in weight and fitness management. Stress is reduced, and those who practise it can experience inner calm. Along with yoga's many advantages for the physical and emotional self, it also helps people save money on health insurance policies by promoting general healthy living and reducing the need for medical care.
Helps Reduce Your Premium
The medical background of the policy buyer is one of several variables that affect an insurance policy's premium. A healthy individual will often have to pay a lower premium. As a result, practising yoga frequently can help you maintain your overall health and fitness. Being healthy will place you in the "Healthy Lives" group, which the health insurance companies view as a low-risk category.
IIf you are unhealthy or have a long-term health concern, the insurance provider will probably demand a high premium for covering your life. Additionally, the insurer may refuse coverage in particular circumstances. Therefore, yoga can help you not only keep healthy and be at peace, but it can also enable you to make small additional premium savings.
More Coverage
Regular yoga boosts immunity, lowers health-related risks, and enhances general health development. You can lower your healthcare costs by maintaining a healthy lifestyle. Besides being able to lower your premium, you can have adequate coverage based on your superior health. So, it won’t be of any surprise if you bag a health insurance policy with minimal exclusions. .
Enjoy a No-claim Bonus
Regular yoga practice can ensure a healthy lifestyle and shield you from several diseases. You will not need to make a claim under the policy if you remain well and do not contract any diseases. As a result, you will be eligible for a no-claim bonus (NCB). If you get health insurance in India and maintain good health, you may not fall sick and hence there will be no claim. You will receive an NCB from the insurance company for not filing a health insurance claim during the policy year.
No-claim bonus ensures comprehensive medical coverage without hiking your premium. In the event of a claim-free plan year, health insurance companies offer a no-claim bonus ranging from 10% of the sum insured to up to 50-100%. Yoga is a great way to keep you in shape and reap such rewards.
Special Discounts
By maintaining a healthy and active lifestyle, you can get savings on wellness programs provided by the insurance company. Many health insurance firms also give discounts on premiums if policyholders meet the established standards for wellness and fitness. The main justification for these incentives is that they save the health insurance companies money because healthy people are less likely to experience health problems or seek medical attention, decreasing their likelihood of making a health insurance claim. The insurance company passes this cost-saving benefit to the consumer through incentives for good health and wellness.
Reduces Vulnerability
The modern, fast-paced way of life, lack of exercise, and the deteriorating environment are thought to be the main causes of critical illnesses. Critical illnesses like kidney failure, cancer, diabetes and heart attacks can be treated for thousands of dollars, and most of the time, the family is unable to cover such expenses. The average lifetime cost of therapy for serious conditions, including heart attack, cancer and kidney failure, is between 5 and 20 lakh rupees.
Regular yoga practice can help you stay healthy and active, lower your health insurance premiums, and save a significant amount on treatments that would have been necessary had you developed a severe illness.
Conclusion
With the above information, it can be said that practising yoga not only contributes to general physical, mental, and spiritual well-being but also helps you avoid illnesses and save money on your health insurance by preventing you from filing a claim.
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