5 Tips for Improving Life Insurance Health Ratings in the Philippines

Introduction

Getting good health ratings is a must for more favorable life insurance premiums. In the Philippines, medical exams and lifestyle checks are done to rate a person’s health. Here are five tips for you:

Practice a Healthy Lifestyle

Balanced Diet:

A balanced, proper diet does much to better your overall health. Consume a lot of fruits, vegetables, lean proteins, and whole grains. Doing so may lower weight levels and cholesterol, which are factors in such things as medical exams and lifestyle checks.

Regular Exercise:

Practice regular physical activity to help promote good heart health, manage your weight, and lower your stress levels. Thirty minutes of moderate physical activity, such as brisk walking or jogging, at least five times a week, will suffice. Regular exercise will show an improvement in your blood pressure levels and blood resting rate.

Stop Smoking:

As is widely known, smoking seriously affects life insurance health ratings. Not only will quitting smoking improve your overall health, but it will also improve your insurability, and many insurance companies offer better rates to non-smokers or to those who have stopped smoking for a number of years.

Moderate Your Alcohol Intake:

Intake of alcoholic beverages to excess will increase one’s chances of suffering from liver disease and hypertension, among other things. Moderation in this area will improve your personal health ratings and further your chances of securing good insurance ratings. General guidelines state that a woman can drink one and a man two drinks per day in moderation.

Control Chronic Conditions

Regular Health Check-Ups:

Regular health check-ups help detect and control chronic medical conditions like diabetes, hypertension, and high cholesterol. Proper management through medication, lifestyle modification, and regular monitoring greatly impacts positively on the health rating.

Follow Medical Advice:

Follow the medical advice provided by your doctor, including the medication schedule. Chronic condition control shows your insurer that you care about your health and can therefore earn you improved ratings.

Keep to a Healthy Weight:

Maintain a Healthy BMI:

Your Body Mass Index (BMI) is crucial in the health assessment of a life insurance policy. Overweight or underweight does not speak well for your insurance health. Keep a BMI in the healthy range of 18.5 to 24.9. This can be achieved through monitoring your healthy diet and working out.

Structured Weight Loss Programs:

If you are overweight, enroll in structured weight loss programs. Such plans provide you with dietary guidance, exercise plans, and support teams. Continuous loss of weight coupled with a healthy BMI can earn you improved health ratings.

Control Stress and Boost Mental Health:

Engage in Stress-Relief Techniques:

Be aware that chronic stress can lead to different health conditions, including high blood pressure and heart disease. Adopt stress-relief techniques such as meditation, yoga, deep breathing exercises, and mindfulness practices.

Get Professional Help:

Be sure to see a psychologist or counselor if you have issues with your mental health, like anxiety or depression. Controlling mental health effectively is crucial for overall well-being and can positively impact your life insurance WOL health rating.

Final Thoughts

For better WOL health ratings in the Philippines, you need to have a healthy lifestyle, quit smoking, manage chronic illnesses, maintain a healthy weight, reduce stress, and, this way, adopt many proactive steps. This way, proactively taking charge of your health will yield you a better life-insurance coverage to ensure the financial protection of your loved ones.

A multi-award-winning blogger and advocate for OFWs and investment literacy; recipient of the Mass Media Advocacy Award, Philippine Expat Blog Award, and Most Outstanding Balikbayan Award. Her first book, The Global Filipino Bloggers OFW Edition, was launched at the Philippine Embassy in Kuwait. A certified Registered Financial Planner of the Philippines specializing in the Stock Market. A recognized author of the National Book Development Board of the Philippines. Co-founder of Teachers Specialist Organization in Kuwait (TSOK) and Filipino Bloggers in Kuwait (FBK). An international member of writing and poetry. Published more than 10 books.  Read more: About DiaryNiGracia