Three things you can do to lower your health insurance premium

Posted on July 13, 2012 by Guest Writer
BMI calculator

When it comes to lowering your health insurance premium, it’s all about maintaining a healthy lifestyle. The way you live your life has a huge impact on your health and so things like good nutrition, a consistent exercise regime and not smoking will drive down your insurance premium. Metabolic syndrome symptoms such as high blood pressure and obesity are indicative of illnesses like diabetes, and are known to lead to heart problems. It is in this way that an unhealthy lifestyle can drive up the cost of your cover, and rectifying them will see you pay less.

Get your BMI into the normal range

Body Mass Index (BMI) takes into account your height and weight to work out whether you are underweight, normal, overweight or obese. If you are not in the normal range, it is a good idea to take some measures in order to get there, like eating well and exercising often.

If you’ve not exercised for a while, the idea of getting back on the treadmill can be daunting – but you don’t have to hit the gym to get your pulse racing. Everyone’s ability level is different, so while some people might need to jog for miles before they break into a sweat, others can exercise by simply by doing some chores around the house, or going for a walk each day. If you find exercising boring then why not make it into a social activity? Take hikes with friends, attend a Tai Chi class or start a weekly bike ride.

Cut down on drinking

Having a nightly tipple can be an easy habit to get into – what could be more relaxing than enjoying a glass of wine at the end of a stressful day? However, drinking can cause you to pile on the pounds, and can also be detrimental to health. The health benefits of small amounts of alcohol have been widely documented, and there is no reason to give it up altogether. However, swapping a large glass for a small, as well as drinking just three nights a week instead of seven could do wonders for how you feel, as well as your waistline.

Don’t smoke

The dangers of smoking are now widely recognised and the government is taking stringent measures to help people cut down, such as forcing retailers to keep cigarette packets out of sight. It is methods like these that hammer home just how dangerous puffing away on a cigarette can be. However, if smoking is a long-standing habit it can be easy to bury your head in the sand, with an ‘it’ll never happen to me’ sort of attitude.

Kicking the cigarettes is fantastic for your health, substantially lowering your risk of serious illnesses like lung cancer almost immediately, and just generally making you feel better. What’s more, not being a smoker pushes down your insurance premium, meaning you save money on both cigarettes and cover.