How family health insurance supports wellness and preventive care in Kerala

Kerala is one of the most health-forward states in the country. The people of the state know that wellness and prevention are the key to a good and healthy life. One of the ways to support well-being is through the targeted wellness programmes and preventive care offered by health insurance companies in their policies. The best health insurance for family must have certain features that motivate and encourage policyholders to reach their wellness goals. Here’s how family health insurance plans support wellness and preventive care in Kerala.  

Preventive health checkups and screenings 
A family health insurance plan plays a significant role in promoting preventive care in Kerala. Most family health insurance policies offer preventive health checkups, vaccinations, and screenings for the policyholders and their families. When it comes to health, prevention remains the most effective way to combat a disease. Preventive care also saves the family from the emotional distress associated with illnesses. It is also a far more cost-effective solution when compared to treating a disease that is in its later stages. By offering annual preventative health checkups as a part of their policy, health insurance providers encourage early detection. This helps policyholders minimise or avoid the costs associated with hospitalisation, which makes financial sense for the insurer as well. 

Wellness incentives
Many insurers have started rewarding their policyholders for their commitment towards achieving their wellness goals. Wellness has become incentivised with tangible monetary rewards. Insurers set certain goals, which, once achieved, can be converted into discounts on policy premiums by policyholders. This encourages policyholders to stick with their goals in the long run while also setting them up for a healthier lifestyle. Ensure to read the policy document and check if these benefits are being offered in a regulated and streamlined manner. Also, check if these benefits apply to both the policyholder and their dependents.  

Wellness services 
Certain wellness services that can vastly improve the quality of life of policyholders can be accessed through their insurers. Dietary counselling, yoga sessions, telemedicine, and mental health and wellness programmes go a long way towards addressing some of the most common wellness deficits found in Kerala and around the country. Ensure that these services are easily accessible not only to the policyholder but also to the dependents.  

Comprehensive coverage 
Family floater plans or even individual health insurance plans that offer just the traditional health insurance benefits just won’t cut it for the times we live in. Wellness should also be given its due place in the grand scheme of things for a plan to be considered comprehensive in the coverage it offers.  

Why a family health insurance plan that supports wellness and preventive care matters 
Health awareness: Kerala has the highest literacy rate in the country. It is also a state that has high awareness when it comes to health issues. These two factors make the people of the state more inclined to make good use of the preventive care and wellness initiatives offered by health insurers, leading to good health outcomes in the long run for the populace.  

Early detection: When it comes to diseases, the earlier they are detected, the better the outcome. Preventive healthcare measures, such as preventive health checkups and screenings, can detect illnesses early enough to prevent substantial damage to your health. It also reduces the stress of having to deal with a full-blown health crisis in the family.

Financial benefits: Medical inflation is increasing at a rapid pace. Dealing with rising healthcare costs for the entire family can be a huge financial burden. Preventive care and the wellness support offered by health insurance plans can reduce this financial burden considerably. Early detection leads to more favourable outcomes with less spending. Wellness incentives that reduce premiums can also lead to substantial savings. Since they also help achieve health goals, they keep policyholders more fit, leading to less money spent on hospital visits in the long run.  

Quality of life: Wellness programmes aimed at mental health and diet can improve quality of life. When your quality of life improves, your overall health also improves. This is also a form of preventive care, as certain chronic conditions can be nipped in the bud, or their onset can be delayed through such wellness initiatives offered by insurers. 

Conclusion
Wellness programmes and preventive care are as important as the traditional coverage and benefits offered by health insurers. Both must go hand in hand so that the policyholders get to reap the most benefits from their policy. Ensure that the plan explicitly states the wellness benefits being offered and that it applies to your dependents as well. Also, check if wellness benefits are offered upfront or through riders. And ensure that you make use of these benefits regularly to meet your fitness and financial goals in the long run.