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Health Insurance for Healthy people should cost zero


Nowadays health insurers are providing benefits to the insureds not only by bearing the medical expenses but also by adding options to the policy for their better health. 

Like Health coach

Discount in renewal premium for following any healthy habit and making a difference to their health. 

I believe slowly this idea will take better shape and new products can be created which pays the insured if he or she meets some health factors by following a healthy routine. 

insurance fun meme - health insurance cost

People are generally risk-averse but when it’s a matter of buying health insurance, they are mostly reluctant assuming nothing would happen to them. 

Especially in India, it’s difficult to make people buy insurance on the fact that, if some uncertainty happens and they get hospitalized. 

Rather I believe it’s easier to sell a product that would give a good return on premium if they follow some healthy habits and make a difference in their health condition. The overall return on the premium can be combined with saving on tax and it should be larger than what they actually end up paying as a premium.

People who are reluctant to buy health insurance to save money would be the most potential people who would try to improve their health and buy a medical policy to earn more money. 

And we have a larger portion of people of this mentality in India.

What is your opinion on this?

Susheel Agarwal

Susheel Agarwal

Susheel is a certified Happiness Coach, which enables him to help organizations develop healthy and happy workplaces. Years of extensive in-depth research by interacting with various leaders of happy & not so happy organizations, attending several Happiness and Leadership programs along with his own authentic experiences, Susheel has been successful in establishing a happy workplace. He currently works as a Thought Leader and a Passionate Coach, educating corporate leaders to do the same.

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