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Understand the finance of a healthy lifestyle

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August 20, 2022
A healthy lifestyle is sought after for a range of reasons. A healthy lifestyle lets people stay fitter and remain active even as they age. As you get older, it gets more difficult to begin to try getting into shape. It is always better to start your transition to a healthy lifestyle from a young age itself.

A healthy lifestyle enables you to stay fitter and sharper. It reduces the possibilities of diseases and lets you function in an optimal manner regardless of how you get.

Aside from the health benefits that it offers, the benefits of a healthy lifestyle extend to financial benefits as well. By following a healthy lifestyle, you are not only ensuring that you live in a healthy manner at an old age, but you are also attaining financial benefits that will keep you secure and financially independent even later in life.

A healthy lifestyle includes meals which offer different kinds of nutrition and are balanced, regular exercise and taking care of yourself by avoiding picking up habits such as smoking or excessive drinking on a regular basis.

Financial benefits of a healthy lifestyle:

As mentioned earlier, the benefits of a healthy lifestyle extend beyond an active lifestyle even later in life. They offer several financial benefits, all of which can be attained by living a healthy lifestyle. Read on to learn more about how healthy lifestyle choices can offer you significant financial benefits.

  1. Daily Savings:

    Many people smoke on a regular basis, which means they spend a significant amount of their income on tobacco and tobacco products. A healthy lifestyle is one where you do not smoke and it also reduces your daily expenditure on it, enabling you to save more. Additionally, there are several foods available in all markets that are not just unhealthy but also incredibly expensive. By choosing to live a healthy lifestyle, you can cut down on these expenses and ensure that your daily savings are higher.

  2. Lower Insurance Premiums:

    Insurance premiums are dependent on several factors. When you lead the best healthy lifestyle, your premiums are bound to be significantly lower than if your lifestyle is not as healthy. A smoker is much more likely to contract an infection or sickness which would be further complicated by their unhealthy habits. As a result, the insurer will always ask a smoker to pay higher premiums. On the other hand, if you maintain a healthy lifestyle, your premiums on your term insurance are also bound to be lesser, enabling you to get the best benefits of a term insurance at a minimal cost.

  3. Lower Healthcare Costs:

    Healthcare and medical costs are going through the roof these days, with many people now being unable to afford treatment owing to the exorbitant costs. However, making healthy lifestyle choices is a way to ensure that you don't fall ill too often and don't require medical attention. When you are urgently in requirement of medical attention, it is normal to worry about the high amount that you are required to pay in order to avail this attention. By living a healthy lifestyle, you are thus, able to ensure that you fall sick less often and don't require medical attention as frequently as others whose lifestyle may not be as healthy as yours.

  4. No Leave Without Pay:

    Leave without pay is a corporate human resources (HR) policy wherein a person's salary is deducted for a day wherein they did not attend office. Regardless of the cause for taking the leave, a leave without pay essentially ensures that the company is not required to pay you for the days that you were on leave. By maintaining a healthy lifestyle, you are significantly reducing your chances of falling sick and thus, reducing the number of days that you are forced to take leave without pay and thus, reducing the number of days on which your salary is deducted.

  5. Reduce Expensive Activities and Indulgences:

    A lifestyle wherein health is not the highest priority results in a range of activities that are unhealthy and also expensive. For instance, many people go out to eat and drink or party with their friends and family. Not only is it expensive from a financial point of view, but it also prevents them from maintaining a healthy lifestyle. By maintaining a healthy lifestyle, you can ensure that you are spending lesser on expensive activities and thus, saving more.

While the best healthy lifestyle will enable you to live longer, it is best complemented by a HDFC Life term plan that affords you the opportunity to cater to your family's requirement even if you are no longer around.

ARN:ED/02/21/22812

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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