The pandemic has imparted valuable lessons, foremost among them being that “health” is our most precious asset.While insurance is vital, it is equally important to shift our perspective from protection to prevention. Adopting responsible habits can significantly reduce the risk of falling ill or incurring high medical expenses.Asit Rath, CEO & MD, Aviva India,has shared five healthy habits for a healthy future.
“Instead of relying solely on insurance coverage, we can adopt five healthy habits to safeguard our health and well-being. First is responsible financial habits by practicing financial discipline by creating a budget and sticking to it. Avoid unnecessary spending on consumer items and focus on saving at least 35% of your salary. Remember, regular but small savings every month made over a long duration of time, say 15- 20 years, are better than large lump sums saved every few years.This, in turn, fosters a positive mindset, enhances decision-making abilities, and promotes overall mental well-being.”, said Asit Rath, CEO & MD, Aviva India.
Rath further added, “Healthy diet is the cornerstone of preventive healthcare. Studies have established a direct correlation between poor dietary choices and the development of these conditions. For instance, diets high in saturated and trans fats increase the risk of heart disease, while excessive sugar consumption raises the likelihood of developing diabetes. Conversely, a diet abundant in fruits and vegetables has been proven to lower the risk of specific cancers. By nourishing your body with wholesome food, you create a robust defense against potential health issues.”
Engaging in regular exercise not only improves your physical fitness but also reduces the risks of injuries and accidents by improving strength, flexibility, and coordination. Physical well-being achieved through regular exercise has a profound impact on mental well-being. Also, in today’s digital age, checkups can be conveniently conducted from the comfort of one’s home.
On this, Rath shared his views, “Regular activity releases endorphins, neurotransmitters that promote feelings of happiness and euphoria. Consequently, stress, anxiety, and symptoms of depression are reduced.By staying active, you save both time and money that would otherwise be spent on medical treatments and rehabilitation.
‘Prevention is better than cure’ holds true when considering the cost-benefit analysis of regular checkups. By detecting and addressing health issues in their early stages, we can avoid the need for more extensive and expensive treatments down the line.Remember, physical well-being paves the way for mental and financial well-being.”
A healthy mind serves as the foundation for a healthy body. Reflecting on the same, Asit Rath, CEO &MD, Aviva India commented, “Engaging in social activities, hobbies, and shared experiences can help alleviate stress, combat feelings of loneliness, and boost overall mental well-being. By fostering strong relationships outside of work, individuals create a support system that acts as a buffer against the challenges of life, reducing the risk of mental health issues. Not to forget, it is equally important to incorporate meditation and mindfulness practices into our daily routines. These practices enhance self-awareness, promote emotional resilience, and help manage anxiety and depression.”
Lastly he concluded by suggesting, “Despite the importance of responsible habits, it is prudent to take additional steps to protect your wealth. Hedge yourself financially against large outflows that may occur in the future.By adopting responsible habits and investing in insurance coverage, we can mitigate the financial risks associated with illness treatment and embrace a more secure and prosperous future.”
