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How Can Practising Yoga Help You Avoid Claiming Health Insurance?

By Juhi Walia
13 September 2022, 11:25 AM

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.


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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1. How does yoga practice help improve your health?

Yoga can aid in the healing process and assist an individual in dealing with the symptoms of their illness more calmly and comfortably.

2. How frequently must you practise yoga to reap the rewards?

Yoga typically produces results after 6 to 12 weeks of consistent practice and instruction from a certified yoga instructor, but individual outcomes may vary.

3. How does yoga aid in reducing stress?

Yoga encourages mental and physical relaxation, which eases stress and anxiety. The poses help promote flexibility, reduce tension, and make people feel comfortable. Both physical obstructions like muscular knots and emotional ones like tension can be released with the help of yoga poses.

4. What goal does yoga serve?

Yoga's main goal is to promote harmony in the body and mind. 

5. What emotions does yoga elicit?

A "yoga high" or "buzz" is a common term used to describe how individuals feel after class. They experience their best day-long feeling. They feel "calm but invigorated," "relaxed but strong," and "refreshed with faint pulsations that follow them all day." It's nearly impossible to describe the yoga high.

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