Why It’s Good To Have Private Health Insurance When Getting Fit
Getting fit is more than just a fad—it is a lifestyle that you must also get into. Being fit goes beyond just the physical aspect of losing weight; it also includes your overall health and well-being. This means that your blood test results are coming out better, where you have lower cholesterol, sugar, and any other similar health indicators. Getting fit is the best positive change that you can do for your body.
But getting fit also has costs associated with it. To check your progress regularly, you also need to go to your doctor, have tests done, and spend for other expenses that may necessarily come from this choice of a healthy lifestyle. This is where the benefits of having private health insurance come in, some of which include:
- You Have Coverage Should You Need It
Depending on the current state of your health and body, you may need to have medical tests done as you start to get fit. Without a medical examination, your doctor will have no starting point to determine how well (or unfit) you are. It is from your blood test results that your doctor can help you decipher what aspect of your health it is that you need to work on.
If you’re lucky, you can get out with just one test. But in some cases, you may need to undergo more tests if the doctor deems it necessary. What you fail to realize, however, is that medical exams are expensive. Add up to these medical tests the cost of buying your medicines to help improve your health. Financial advisors stress that it is better to spend on a yearly premium on health insurance until you finish paying it all off, rather than have to spend more should the need arise. It is beneficial for you to have freedom of medical choice, and you can achieve this when you’ve got your bills covered.
- You Have Access To Fitness Activities
Depending on the insurance company that you signed up for, a part of your freebies might also include access to yearly fitness activities around your locality. If you’re from Australia, for instance, you have to check the schedule of events and see which of those are planned around your area.
If you think that you can’t take advantage of these fitness activities, you are wrong. Remember that signing up to these activities can also mean quite an expensive registration fee for just one activity. For instance, if you want to join a marathon, or a cycle around the city, on top of the gear that you have to prepare also comes in a registration fee. With your health insurance, you can enjoy some of these activities as freebies.
- Your Sports Injuries Are Covered
You may argue that you do not need to have personal health insurance, which is, in essence, an added expense, because your employer has already taken out health insurance for you. While this may be true, you may have failed to realize that the health insurance your employer might have gotten for you is that which covers employment-related injuries. Recheck your coverage and you might see that this is the case.
When you decide to get fit, it is inevitable that you will go through sports injuries. You might fall on the side of your speeding treadmill, lifted weights that were too heavy, or slipped and tripped during a marathon. Depending on the severity of your physical injury, you may need physical rehabilitation, which can range from days to weeks, particularly for more severe fractures. Each session will, of course, cost you money. If you do not have personal health insurance to cover this, you are going to be eating up a massive chunk of your income, perhaps even more than what you could afford. Instead of getting happy about being fit, you are only going to be more stressed out.
- You Have Access To Discounted Fitness Options
Apart from access to fitness activities around your area, you will also get to enjoy discounted fitness options. Most personal health insurance providers have tied up with fitness providers such as gyms and fitness memberships to give discounts to those of you who have bought their insurance policy. For instance, you may be given 20% off on your gym membership and a 10% discount for every gym visit. That is enough to make it lighter for your pocket.
Conclusion
Moving more and eating better can improve your life for the better. As your health improves, so does your mental well-being and your capacity to do more in life. If you used to inhibit yourself from traveling because you weren’t always fit to do so, now you can live your life to the fullest. But choosing to be fit and living a healthy lifestyle comes at a price, too. As you make this decision for yourself, you should also invest in excellent health insurance.