Can my Family Help with a Good Lifestyle?
If you have a private health insurance policy and have recently changed your policy so it can include your entire family you may be thinking of ways to reduce your premium. A private health insurance policy which includes special cover so you and your entire family can be included usually demands high monthly premiums because of the amount of people that are included in the policy. Depending on your private health insurance provider, it may have also cost you a fee to get certain people added to your policy such as your spouse or your kids. So finding ways that you can save money on your new and costly presume should be high on your priority list for your health insurance.
If you are a relatively healthy individual but people in your family are not that healthy, your overall premium is likely to increase. With a family type of health insurance policy they assess the health and fitness of everyone in the family individually but they decide the cost of the monthly premium by taking a look at the family as a whole. This means if you ticked all the boxes for a low monthly premium previously by doing things like working out regularly, not drinking or smoking and eating well, this good work could be undone by someone in your family who lives a less healthy lifestyle.
A family who all have a good lifestyle are going to get a significantly lower private health insurance than a family who has on or two fit individuals but another few who are unhealthy. Eating well, working out regularly and not smoking or drinking is going to improve the conditions of your private health policy and lower the price of your premium. So if you and your spouse are smokers, although saving money should not be your prime motivation for quitting smoking, perhaps the cost savings affects it would have on your private health insurance premium is the kind of push you need to finally quit.
Show Your Insurer Your Health
If you and your spouse are both non-smokers but perhaps one is more physically active than the other then try and encourage the other to get fit again. If they improve their general fitness and go to a doctor to proof that their general physical condition has improved your family will be able to get a lower monthly premium. All you have to do is show your private health insurer the proof. So take your doctor's assessment of everyone in your family to your private health insurer and show them that your family as a whole are now less likely to develop certain medical conditions.
Your insurer will listen to this type of evidence and review your private health insurance if the improvements are significant enough. The improvements you can get on your private health insurance cover as a result of having a fit and healthy family will not necessarily just be reduced costs for the policy's monthly premium. It may also come in form of a lower excess payment, or certain exclusions coming off your policy. Overall reducing the cost of your private health insurance should be something that isn't pushing your family to get healthier, but if money is tight, it may proof to be the sort of encouragement and push your family needs to get healthy again. After a few months of your family's new healthy lifestyle you should start to see some benefits in your health insurance policy once you have shown them the proof.