Insurance by Occupation

Your Job and Your Health

If you discount time spent sleeping, people who work full time spend more time at work than they do at home. Therefore, any strains you put on your body while at work or any unfavorable health conditions that you expose yourself to can have a profound effect on your health.

If you stare at your computer screen all day, you may develop poor eyesight and need glasses. If you type on a computer all day, you may develop carpal tunnel syndrome and may need treatment. If you lift heavy objects frequently, you may develop back problems. All of these situations, and many more can effect your eligibility and rates for health insurance plans.

Occupation and Health Insurance Eligibility

When a private insurance company looks at an application for health insurance, they will determine eligibility and rates based on age, gender, health status, health habits (such as smoking), and even occupation. Certain occupations have a higher risk for injury or illness, and people who work in higher risk jobs may be charged higher rates for health insurance. One example of a higher risk jobs includes firefighters.

Health Insurance Premiums and Your Occupation

There are certain health risks associated with any job, but people who regularly use their computers for work rarely have to pay more for health insurance simply because they are at a slight risk to develop carpal tunnel syndrome. The people who have to pay more for their health insurance because of their jobs are those who put their bodies and health at a serious level of risk on a regular basis. To see an exact comparison of rates, do your research and consult several health insurance companies.

Top