The better one treats one’s self by not smoking, drinking or using drugs the more days on earth one is likely to have. To be realistic, one cannot always help the illnesses or dreaded diseases we’re prone to. Sometimes one gets dealt a horrible hand in the gene game of life. But, by treating your body well you could way lay health problems and you may reap rewards through your health insurer.
Lifestyle vs. health insurance.
The health insurance providers have perfect reason to know how you treat your body. What type of vices you have and the type of work you do that could cause health problems. If you are judged to be a high risk the higher your premiums will be.
Smoking.
It’s a well publicized fact that smoking can cause many serious illnesses, therefore health insurers have grave concern for smokers. In the event of having to be treated for a smoking related illness they may deny payment for treatment if it was not declared. Of course, it would be best to give the habit up which in turn could decrease your premiums somewhat. There are lots of ways to obtain help.
Drug use.
There are many drugs out in the world that some people use recreationally or become addicted to for some or other reason. Any form of consistent drug use is dangerous to one’s health. No health insurance will pay out on a policy if your treatment is due to illegal drug usage. Even if you think your world will end without it, it’s not true. Save your life and get help through your GP or any drug counselling centre.
Alcohol.
Many people drink as a form of relaxation, but many cannot handle it and become addicted. People in the health profession say it’s becoming more of a problem. There are too many illnesses and diseases that can be traced back to problematic alcohol consumption. Health insurers ask applicants what their average weekly consumption is. Should your consumption be over the average, your premiums are bound to be high. This is to cover the probability of alcohol disease related treatment. There is a recommended limit, try to stick to it. You will feel the benefits of cutting down.
As with any type of insurance whether it is home, car, business or life insurance the more proactive one is the cheaper ones premiums may be.