Health cover – the fitter, the better

Health cover is just like any other type of insurance – if you can show your provider that you’re reducing the risk, you’ll get a lower premium. Just as fitting window locks and a burglar alarm can reduce your house insurance payments, getting fit and staying healthy can get you cheaper health cover.

Healthy lifestyle = affordable health cover

According to the website This is Money, more and more health cover providers are targeting healthy customers. A lower risk for the health cover market means less possibility of claims, and they can reflect that risk in the premiums they charge. Some companies are going out of their way to reward customers who are actively healthy – going to the gym at least once a week, or eating more healthily. If you’re looking for private health cover, but you’re worried about the premium rates, try this before you start looking:

• Give up smoking – if you’re a smoker, now’s the time to think about quitting. Smokers automatically pay higher rates for health cover simply because of the number of illnesses and conditions that are linked to the habit. There are lots of other good reasons to quit, but if your main one is financial, then not only will you save on buying the cigarettes in the first place, you could also lower your premium.
• Get fit – going to a gym or taking part in some other form of regular exercise is great for your health. If you can show your health cover provider that fitness and wellbeing is important to you, they are likely to view you as a lesser risk and your premium will come down accordingly. Find a provider who offers rewards for continued exercise and fitness and not only will your health be a winner; your bank balance will be too.
• Eat well – statistics show that more of us are trying to change our eating habits. Not content with binge-dieting any more, we’re making a serious effort to eat more healthily. One health cover provider has a scheme running with a national supermarket where you can earn points by buying fruit and vegetables when you do your weekly shop.

If you want to reduce your health cover premium, or you want to insure with a provider who puts health and fitness at the top of their priority list, make a start today – not just by eating well and getting out of your chair, but by calling us to find the best health cover for your lifestyle.

Right to Health is a leading UK health insurance intermediary, helping individuals and corporations find the best private health insurance cover. With access to the UK’s top health insurance companies, Right to Health has advised thousands of clients and can help you to get great health coverage for a competitive premium. Right to Health is authorised and regulated by the Financial Services Authority, which means that you can be confident that the recommendations you are given really are in your best interests. To find out more or to get a review of your current health insurance, call 08000 753 999 or click the Free Online Quote button at the top of the page.

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