Life Insurance Toronto | Insurance For Healthy Life

By: Donald Carmin

Many people lookout for private medical insurance service provider as they feel that they have a fast service when it comes to take advantage of it. These service providers are usually seen as a luxury expense which only the wealthy can afford. But the reality is totally different now days. With NHS waiting list increasing day by day, people are finding it difficult for getting treatment even for smallest of diseases. People are there fore looking out for private insurance service providers for better service.

There are lots of incentives that are being offered by private insurance service providers. The most common and popular incentive that is normally given to the customers is the free gym membership for the policy holders. Now everyone knows how gyms are popular among everyone. All of us want to get enrolled into one of the gym, but that is really a costly affair which not all of us can afford. You have to initially pay a joining fees and then you have to pay monthly subscription also to use the gym facilities. With the gym membership's incentives, you still have to pay the joining fees but that is again sometimes subsidized by these insurance companies. But again it should not matter at least the membership is covered in the insurance, although there may be some conditions you need to adhere too. This serves two purposes for the companies. Firstly the companies have a tie up with various gyms and therefore they get the memberships at a lower rate so they don't have to shell out big money for every single membership. Now because of such kind of incentives they become popular and can sell more insurance policies and also once a member joins a gym and uses the various facilities in the gym, it only serves the insurance companies purpose as this will only lead to good health of a member which means less risk of paying for his ill health.

But, even though you can take advantage of various incentives rolled out to the customers, still there are some points where you will have to pay more. This can be when you are a smoker for example, then your premium will be more than a person who is a non smoker. So it is advisable to quit smoking which can reduce your monthly insurance bill. Chemists, GPs and support groups can all provide a wealth of help and advice should you want to stop smoking. Similarly quitting alcohol can also benefit you both ways, it can reduce your monthly insurance bill as well as take care of your health too.

In this populated world where illness and disease are all too common, along with increasing daily risks of accidents even employers do not want to take any chances. All of them are now looking for private insurance companies who will take care of their customers, but unfortunately these group insurance would not come with free gym memberships. But it should not matter to the person that is because the money saved on your monthly premium can be utilized for buying a monthly gym membership which can be of your choice.

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