Tutorials1927 - Many people buy insurance products without fully understand the benefits and risks of these products. For health insurance, for example, we often think that pocketed this product means we've fully guaranteed in terms of health. In other words, regardless of the cost of care that we spend will be replaced entirely. In fact, it is not always so.
Insurance companies have a standard or specific calculations in determining insurance coverage or the amount of compensation you can receive. Several factors determine the amount of compensation, among other things, how healthy condition of your body, how your family health history, and how much premium you pay.
Instead, you buy health insurance product when you are young age, and health conditions were excellent. When you buy health insurance when your body is not fit, or are undergoing treatment for a particular disease, it could be your claim it is not received within a certain time.
1. Lower your weight. Make sure you maintain your weight does not go up and remain in normal numbers. Thus, your insurance premiums will be lower. You can check the normal weight by calculating your body mass index (BMI). When the results of IMT indicate that your weight is included in the class in overweight, the insurance company will charge you a high premium.
2. Routine exercise. Indirectly, health insurance also serves to maintain your exercise schedule. If you make exercise a regular activity, you will get used to remain active and provide a positive image about your health.
3. Reduce the smoking habit. Smoking habits will negatively affect insurance premiums, and likely will not provide the maximum benefit for you. If you are trying to hide the smoking habit from your insurance agent so you can get a low rate, probably will not be much help. Therefore, the majority of insurance policies include blood tests. Such tests can confirm your tobacco consumption. In order to obtain lower insurance premiums, ideally you are already in a state of stopping smoking.
4. Avoid alcohol. Your health insurance premiums could go up if you consume alcohol regularly. It would be better if you avoid the consumption of alcohol so that the insurance company does not find another reason to increase your premium. However, just like smoking, you should stop drinking alcohol long before sending an application to purchase insurance products.
5. No need to add information that you can not remember. If you really can not remember whether you ever been diagnosed with a particular disease, do not add it to the insurance application. Loss dong, if you think you are suffering from certain diseases so that insurance companies make a policy that you can not claim the cost of treatment for the disease within two years, for example. In fact, the alleged presence of the disease is not proven. Therefore, simply state that you remember very well indeed.
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