How a Healthy Lifestyle Benefits your Insuranceshared values // on Tuesday June 28, 2016
Health and wellness has become an important topic. More than ever, people are concerned with eating healthy, working out and staying fit to avoid increasing their risk of obesity, which can cause other serious health issues. In corporate America, many companies are even offering onsite fitness centers, as well as wellness benefits, to their employees to help with this initiative.
Staying healthy and in shape can provide many benefits. It can give you more energy, reduce your risk of disease and can help you live a longer life. While these benefits sound great, there is one more benefit that many people do not realize; staying healthy can actually save you money on insurance.
When calculating your insurance premiums, many companies will take your health into consideration. Heart disease, diabetes and cancer are just some of the health issues that can cause your insurance premium to skyrocket. When looking at these conditions, the medications, treatments and doctor and hospital visits can add up quickly.
In fact, from 2000 to 2009, monthly health insurance premiums increased by 131% due to the costs of treatments for diseases caused by living an unhealthy lifestyle.
Living a healthy lifestyle can help reduce your risk of any of these diseases, which can help lower your insurance premiums. Additionally, the healthier you are, the less likely you are to catch illnesses. This can mean less doctor and hospital visits, which can save you a lot each year.
To stay healthy and in shape, consider taking part in the following activities:
- Eat smaller meals more often.
- Eat foods full of nutrients, such as fruits and veggies.
- Replace soda and other sugary drinks with water.
- Take 20 minutes a day to engage in physical activity.
- Get plenty of sleep.
Don’t underestimate the value of a healthy lifestyle. Not only will you feel better, but you have the potential to rack up quite a bit in savings as well.