Are Lifestyle Diseases Covered Under Health Insurance Plans?

Posted by Savva Zingas on September 26th, 2022

Currently lifestyle choices, like unhealthy diets, sedentary jobs, unhealthy diet and hardly any physical activities have resulted in a worrying rise in lifestyle based diseases, particularly among the latest generations. The strong likelihood of being stricken with a lifestyle disease compounded with the continual rise in healthcare costs has meant that more and more people are opting for health insurance plans in Texas.

Lifestyle diseases described

Lifestyle conditions are illnesses that are primarily related to the everyday behavior of individuals. These are non-transmissible ailments including diabetes, obesity, colon cancer, hypertension, heart conditions, strokes are illnesses connected to excessive alcohol consumption, smoking, drug abuse and various lifestyle habits done in excess.

You would need to perform regular physical activities, follow a healthy diet, maintain a good sleep cycle in order to improve your health, inhibit chronic conditions, and keep yourself and your family protected with a relevant health insurance plan. Once you purchase a policy you will have the coverage you need when faced with a health emergency.  

Let’s look at some of the major factors that you need to consider before buying a health insurance plan in Texas.

Factors To Consider

Here are some of the factors that you need to consider before purchasing a health insurance policy.

Family floater vs. individual plan

If you opt for a family-floater plan, multiple members of your family will be covered under the same premium. But, in case you have children above 25 years of age it would make more sense to opt for the individual plan.

No Claim Bonus (NCB)

Policyholders that do not make any claims all through the policy period are entitled to the reward in terms of high discount on premium renewal.  To put it simply, it is a reward for remaining healthy and not making any claims with your health insurance.

Waiting period

When you buy a health insurance plan in Texas, it would not cover all health issues from the date on which you bought it. There is a set waiting period before which you can start making any claims. Lifestyle ailments like asthma, hypertension, diabetes and so on are usually having a 2 to 3 years waiting period, based on the plan you opt for.

Sum insured

This is the limit up to which the insurance company pays a policyholder in case of medical expenses or hospitalization. As healthcare prices keep climbing, to gain comprehensive coverage you would need to opt for a higher sum insured.

Choose plans with wellness benefits

Staying healthy and physically fit helps you steer clear of serious medical ailments. You can opt for plans that come attached with wellness rewards. You can accumulate these wellness reward points to put them on upcoming renewal premiums, spa/gym memberships, medical check-ups etc., depending on the stipulations of your health policy.

While lifestyle-related diseases are common today, with a good health insurance plan in Texas you can protect yourself and your loved ones.