Soft life, as we call it in urban lingo is one that each of us desires to live. You probably find it cool to enjoy it while sipping your cold favorite beer at the counter, in the comfort of your home, or by the poolside. 

However, it’s not soft without an insurance cover for you and your loved ones over your health, life, accidents, business, home et cetera. 

Looking at the numbers, World Health Organisation 2018 statistics show that worldwide, 3 million deaths every year result from harmful use of alcohol, this represents 5.3 % of all deaths.

Besides, the harmful use of alcohol is a causal factor in more than 200 disease and injury conditions. Overall, 5.1 % of the global burden of disease and injury is attributable to alcohol, as measured in disability-adjusted life years (DALYs).

It’s been said before, numbers don’t lie, therefore, if your insurances provider is to offer you a cover based on the above statistics and your rate of drinking, chances are high that you may receive low coverage. Not cool. However, to an insurance service provider, you are at high risk to die a premature death due to the adverse effects of alcohol on your health.

To be safe, get a medical cover and life cover policy for you and your loved ones, and let a big percentage of your money go to protecting them and less of it to a bottle or two of your favorite drink.

Below are three alcohol-related -scenarios that can cost you that medical or life cover; 

1.    Criminal records of Driving Under the Influencer (DUI)

No, the car does not know its way home. 

“According to data from the National Transport and Safety Authority – over 3,200 people died between January and September 2021, among the reasons for their death was drunk driving. This is a serious offence and it’s a high risk that can make it 100 times more difficult for a person to buy any health or life insurance policy” said AAR Managing director Nixon Shigoli. 

If you have any criminal case of DUI, then you have a tough task to prove to your insurance service provider that you have given up or reduced on alcohol and how this has enhanced your health.

2.    Excess prescribed limit of alcohol levels in your body

We know you like your favorite alcohol bottle, however, you risk higher premiums or even losing a chance to receive a cover from your ideal insurance service provider, If the alcohol level in the body exceeds the prescribed limit. Therefore, you must always keep a close look at your alcohol use. 

3.    Health-related cases caused by excessive consumption of alcohol

Drinking beyond limits can cause health problems. Over the years, alcohol consumption has been associated with adverse health diseases like increased blood pressure, kidney and liver ailments, along with coronary disorders. While this may not deny you a health or life cover, it is likely to increase your premiums. You do not want to pay more.