Life Insurance and Hypertension

With the stress, each of us faces in today’s day and age, hypertension, or in other words, high blood pressure is a rather common phenomenon among many of us. But, did you know that this also affects your life insurance? Although you are eligible for life insurance if you are medically diagnosed with hypertension the premiums you pay towards it will be much higher, as this condition can often lead to cardiovascular diseases, such as stroke and heart attack. However, this largely varies based on your medications and how well controlled your condition is.


Similar to health insurance, a life insurer considers your lifestyle, habits, your Body Mass Index (BMI), how often you exercise, your overall health and, your general blood pressure level. The levels of blood pressure that determine your risk status are:

Regular levels

Here readings generally do not exceed 150/90 and are controlled by prescribed medicines. However, for those who age 55 and above, these readings could be a little higher.

Preferred levels

You would come under this category if your readings are under 140/90 and controlled by medicines or 150/90 without medicines. If you fall under this category, you are entitled to lower premiums

Preferred Plus levels

You are a preferred plus i.e. someone who does not suffer from high blood pressure, if your pressure is below 140/90, sans any medication. This makes you eligible for the lowest premiums.

If you have high blood pressure, here is how you can effectively improve the premiums you pay towards life insurance:

Get your pressure treated

Generally, high blood pressure does not show any symptoms early on, which is why many of us are not aware of its existence. However, if these high levels of pressure show up on your medical reports while availing for life insurance, you would have to end up paying higher premiums, which is why getting regular check-ups are important.

Give up the butt and booze

Alcohol and smoking have a direct impact towards increasing your blood pressure. Giving up these habits will help in bringing down your blood pressure.

Exercise

Even basic exercises like brisk walking have known to reduce high blood pressure. So, do not forget to go for that evening walk starting today. Also, shedding down a few kilos in case you are overweight can help normalize your blood pressure.

Watch what you eat

Foods like excess salt, fats, and caffeine can play a part in increasing blood pressure. Add more of fiber like fruit and vegetable to your diet to help stabilize your blood pressure.

Bust that stress

Blood pressure could be aggravated due to stress. While it is not possible to eliminate stress completely from our lives, things like meditation, yoga, journaling, and spending time in nature can help in lowering high blood pressure.

*premium Amount for Male, 35 yrs, 10 year term, Silver option, including tax.
HDFC Standard Life Insurance Company Limited.

Insurance is the subject matter of the solicitation. For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale. HDFC Life Health Assure Plan (Form No. P501-105, UIN: 101N087V01) is the name of traditional health plan offered by HDFC Life. HDFC Standard Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Health Assure Plan is only the name of the product. The name of the company, name of the brand and the name of the product does not in any way indicate the quality of the contract, its future prospects or returns. HDFC Standard Life Insurance Company Ltd. IRDAI Reg No. : 101. ARN: MC/03/2015/6186.
CIN : L65110MH2000PLC128245. Tax benefits are subject to change in tax laws.

Corporate Office & Registered Address

HDFC Standard Life Insurance Company Ltd.
Lodha Excelus, 13th Floor Apollo Mills Compound,
N.M. Joshi Marg, Mahalaxmi
Mumbai, Maharashtra 400011
Telephone: (022) 67516666

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