Ever felt like your health insurance premium is the price of a 5-star buffet when all you want is a simple thali? Surprise! Your lifestyle choices are the undercover villains behind those hefty premiums—like that one friend who "forgets" their wallet every time you eat out.
 

Let’s spill the beans on the Big Three: smoking, fitness levels, and diet—a.k.a., the plot twist to your premium drama.

1. Smoking – Puff. Pay. Repeat

Picture this: you’re in a Dhoom movie, cigarette in hand, racing through life like a rebel. Insurance companies? They’re the police cars in your rearview mirror, and spoiler alert— they always catch up.
 

Smoking is like inviting villains into your health story: heart disease, lung cancer, and more sequels no one asked for. Insurance companies? They’re watching and slapping on higher premiums faster than you can say “light me up.”
 

Here’s the kicker: smokers shell out 20-50% more for health insurance than non-smokers. It’s like ordering a fancy drink, realizing it costs ₹800, and now you’re stuck sipping regret.

2. Fitness Levels – Abs or Higher Slabs?

Ever seen those Instagram fitness influencers flexing in slo-mo? Turns out, they’re not just collecting likes—they’re collecting lower insurance premiums too.
 

Being fit = fewer diseases = fewer claims. Insurance companies LOVE this math. Walk into their office looking like Thor post-training montage, and your premium might just do a little happy dance. Skip leg day (or every day), and well, your premium’s doing the exact opposite.
 

Fun fact: a regular fitness routine can knock up to 20% off your premium. That’s more than you save when you buy protein powder during a sale! So, next time you’re “too busy to work out,” remember, your wallet’s the one taking the hit.

3. Diet – Chaat Or Cheat: The Eternal Battle

Ah, the sweet seduction of chaat: golgappas, pav bhaji, samosas. But if your food pyramid looks more like a samosa than a salad, your insurance company’s probably raising their eyebrows—and your premium.
 

A diet full of sugar, salt, and deep-fried goodness is like writing a love letter to diabetes, heart disease, and cholesterol. Meanwhile, insurance companies are off in a corner saying, “It’s not me, it’s your snacks.”
 

Switch to a high-fiber, low-fat, nutrient-rich diet, and your premium starts to behave. Think of it this way: every green vegetable you eat is like a sanskaari insurance fairy whispering, “Save, save, save!”

In Conclusion – Your Premium Is in Your Hands! Karma!

Here’s the deal: your lifestyle choices can either make or break your health insurance game. Don’t let cigarettes, laziness, or junk food become your Karma villains. Start investing in your health today, and your wallet will thank you tomorrow.
 

Be the hero of your own insurance story—like Baahubali but with a salad bowl instead of a sword. And remember: it’s not about being perfect. It’s about being smart. Healthier choices = cheaper premiums.
 

So, the next time you’re faced with a choice between a leafy salad or golgappas, just ask yourself: “Am I Team Premium Cut or Team Premium Hike?”