People go to the gym for various purpose, but mostly they want to achieve body goal or simply want to be healthier. Other benefit from working out at gym is you can lower your insurance premiums. Actually, if you do not go to gym but doing exercise at home, jogging at park will work as well. Any kind of sports or exercises will do. The main purpose is a health benefit. Health is one of several qualifications for insurance company to determine insurance premium. So, if you are a smoker, drinker, overweight or have chronic disease, you can not lower your insurance premium. The insurance company even might encourage you to have healthier lifestyle. And the benefit will come to you, isn't it?

Life Insurance Health Program

It is rare for life insurance company to give discount for their customer. But there are few of them give discount with terms and conditions. One of the conditions is, the customer will be monitored, like 24/7. The insurance company will give monitoring device that tracks customer's physical activity. Customer will accumulate points through exercises they have done such as sit-ups, push-ups, running, jogging, etc. They will get discount based on their level. The higher the level, the bigger the discount. However, insurance company can cancel the discount if customer don't record any activity for a period of time. Basically, they will know if you are slacking off. 

Health Insurance Program

Several health insurers give incentive that lower insurance premiums if the participants show improvements on their health record. Health insurance company use their wellness program to encourage healthier lifestyle and get lower insurance premiums as bonus. They use tracking devices to measure body mass index, blood pressure and cholesterol level at different intervals. Then, the insurers assess overall wellness of the group as a whole and adjust the premiums when there's any improvement.

Company Wellness Program

Many companies offer wellness program and give financial incentive for their employees. The purpose is encourage their employees to exercise regularly and having healthier lifestyle. It gives some benefits to companies too, as they could save cost on health expenses and lower the group health insurance premiums. Beside, the employee will have fewer sick days and their productivity might improved as well. The financial incentives are varied among the companies based on the company's policy.

Make A Move!

Whether you have insurance or not, it will not hurt if you start to life healthier. Have a healthy life is not only give benefit to your body, but also some aspect in your life. Stop smoking and drinking, get healthier lifestyle.