How Does Yoga Help in Lowering your Health Insurance Costs?
How Does Yoga Help in Lowering your Health Insurance Costs?
Posted On : 03 February 2021, 8 Months Ago. Health-Insurance
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Considering how the stress of modern life, sedentary lifestyles and unhealthy habits impacts our bodies and minds, maintaining a balanced and healthy lifestyle is becoming increasingly important by the day. While aerobic exercises like running, going to the gym and dieting are all very popular ways of staying fit, it is also important to integrate practices like yoga and meditation into our routines.


Yoga is a holistic way of creating balance in our physical, mental, and spiritual well-being and is quickly gaining traction in wellness programs and healthcare too. Not only does it improve muscle tone, it also provides stress relief, mental clarity and better immunity. As your health is inevitably tied in with your health-related or medical expenses, this can impact your health insurance plans too.


Besides the countless health benefits of yoga, here are a few ways in which it can help lower your health insurance costs:


1. Pay Less by Staying Healthy


Practising yoga regularly can contribute to your good health, physical as well as mental. While buying health insurance, a healthy person will be classified under ‘Healthy Lives’- a low-risk category. The premium for the insurance policy is dependent on the fitness of the buyer; the healthier you are, the lower the premium you will have to pay (in comparison to someone who has more health risks). If the patient’s health is indicative of a higher risk, their application may even be denied. Therefore, by staying fit you are able to get a comprehensive cover that includes medical treatment and hospitalization expenses at relatively affordable premium rates.


2. Wellness Discounts


A healthy buyer who meets the predetermined criteria for wellness can also avail of special discounts offered by their insurance provider. The primary benefit of such a discount is that healthy people are less likely to register a claim on their insurance policy, thus saving the company’s cost. This can then be carried over as a wellness discount for the buyer in the form of discounts on renewal or reward points. Thus, the benefits of yoga include lifting some burden off your savings.


3. Avail No Claim Bonus by Staying Fit


As a healthy buyer, the chances of you claiming your health insurance policy are lower. This could make you eligible for the No Claim Bonus for every year you don't make a claim. The range of the bonus generally starts at 10% and can go up to a maximum of 50%-100%; this can be as a discount on the premium payment for the following year or an increase in the sum insured. So, practicing yoga will help keep you sufficiently healthy to get more coverage at lower health insurance costs.


4. Lower Risk of Critical Illnesses


The stress and exhaustion of day-to-day life can take a toll on your health. This could make you more vulnerable to several critical illnesses. On top of that, the financial stress of medical expenses can really bog you down, and you may have to opt for a critical illness insurance plan. In order to stay healthy and minimize the risk of developing serious health conditions, it’s important to follow a good exercise routine and a healthy diet. Yoga is essential since it also has a positive influence on your mental health. By ensuring good overall health, you can save a lot on medical expenses for critical illnesses and avoid or delay claims too.




Yoga rejuvenates and balances your body and your mind. While the healthcare system, medical treatments, and insurance coverage are all well-established and necessary provisions, it is also important to take a prevention-based view on health and fitness. There are several benefits to incorporating yoga into your daily routine, and it can surely contribute towards a better standard of life. As a buyer, you can work towards building a healthy lifestyle for yourself and also simultaneously reduce health insurance costs with yoga.

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