Paying Much Less For Your Health Insurance – These Are Tips You Should Know…
September 13, 2009
Have you ever wondered why you have to pay so much for your medical insurance? Do you want to save more on your health insurance? These are a number of tips you must know if you want to really slash your health insurance rates.
Smoking cigarettes is the most suspected cause of lung cancer as well as other medically related issues. They thus make you pay higher health insurance premiums than those who don’t smoke. This is because of their health risks and insurance companies have to pay more to smokers.
If you stop smoking for about a year or so you should inform your insurance company for a review of your insurance coverage. You might as well apply to another insurance company.
Your weight is a critical factor which you might want to consider if you must have lower health insurance rates. In calculating your health risks to an insurer your Body Mass Index is one of the parameters used. Your BMI measures your weight to your height and this is used in determining if you are underweight,overweight or obese. It is different for males and females.
If you are over-weight i.e you have a high BMI) you will attract a higher health insurance rate. Therefore loosing a few pounds will not only attract lower rates, but also it will make you live a more healthy life.
Low-cost health insurance
Smoking attracts an expensive medical insurance rates. Same goes for the usage of other forms of tobacco products such as snuff. This is due to the health risks you pose to your insurance company.
So, staying off all kinds of tobacco products will make you pay less for your health insurance.
Having a poor driving history can make you pay heavily for your health insurance. Traffic violations, driving under the influence of alcohol as well as other forms of traffic violations will see you pay higher premiums for your health insurance because you pose a greater risk to your insurer.
Affordable health insurance:
Also if you own and drive a sports car or ride a power bike you will pay more for your medical insurance. This is because you have a higher probability of having accidents. Being more responsible behind the wheels is one way to lower your health insurance rates.
You might want to get and compare quotes from a number of insurance companies. This is because they offer different coverage plans and you might want to check which is best for you.
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