How Smoking Impacts Your Health Insurance Policy

It's a well-known fact that smoking causes an adverse effect on your health. You must have seen the warning message on all cigarette boxes - 'Smoking is injurious to health'. Smoking tobacco is a root cause of 30% of all cancer deaths and causes 16 times higher risk of heart attack.

There are almost 120 million smokers in India. As per World Health Organization, India accommodates around 12% of the world's smoking population. The number of men smoking tobacco has increased from 78 million in year 1998 to 108 million in the year 2015. Tobacco consumption is accountable for the death of 6 million people each year. Direct tobacco consumption accounts for over 5 million deaths and 0.6 million deaths are due to exposure to second-hand smoke. Considering serious public health risks, the Government has banned smoking in public places from 2nd October, 2008.
Not only your health, it also causes you to pay higher premiums for a health insurance policy, due to increased health risks and shorter life expectancy. A nonsmoker however, gets premium discounts as a reward to lead a healthy lifestyle. Being a smoker, it is advisable not to hide your smoking habit from your health insurance company, as it helps you to cover the smoking-related health issues.
There is a wide curiosity among people, how smoking impacts the health insurance and its cost. Let's educate yourself about smoking and its impact on health insurance policy.
Smoking - What It Includes
Smoking includes inhalation of of the smoke of burning tobacco in the form of cigarettes, cigars and beedi. Whether you are an occasional smoker or frequent smoker, you will be considered as a smoker under the health insurance policy.
Smokers can buy health insurance, however an insurance company may charge extra premium or reject your application for insurance, depending on the number of cigarettes you smoke on a regular basis. A smoker may also have to go through additional health check-ups that can help an insurance company to ascertain the risk factor and then charge the premium amount accordingly.
How Smoking Affects Your Health and Insurance Premium
Smoking makes the serious impact on your health, some of them are detailed below.
Circulatory System: Smoking results in increased risk in the heartache and blood pressure. Building up of fatty acids could resulting to atherosclerosis.
Immune System: Smoking results in severe and long lasting illnesses. Smokers are more prone to develop ulcers, cancer, pneumonia, high blood pressure, bronchitis, and other viral/bacterial/fungal infections.
Respiratory System: Smoking may damage lung functions and breathlessness. It may cause damage to the air sacs of the lungs, increased chance of developing chronic bronchitis.
Oral Health: Smoking can lead to tooth loss, tooth staining, gum disease which may increase the risk of tooth decay.
Cancer: Smoking for a long time also causes cancer to various body organs.
When it comes to a health insurance policy, an insurance company considers the magnitude of illnesses and deaths caused due to smoking and that's why, smokers need to pay higher premiums to avail health insurance cover. Typically, the insurance companies charge around 15 to 20 percent higher from a smoker policyholder. Those who smoke would need to undergo additional medical checks, before the insurer issues you the policy.
Let's understand the difference of premium between a smoker and non-smoker individual.
Ritesh (non-smoker) at 30 years of age buys an individual health plan with Rs 5 Lacs coverage, for 1 year policy term, the chargeable annual premium amount is Rs 4,656. However, Raj (smoker) is buying an individual health plan, he is charged with an annual premium amount of Rs 7,552. An increase in premium amount is only due to the fact that Ansh lies in the smoker category of premium. We can see Raj is paying Rs 2896 extra on account of smoking.
Smoker with Existing Health Problems
If you are a frequent smoker that has caused the symptoms of the declining health condition and getting puzzled whether you can get a health insurance. The answer is yes, the only thing required is to make honest and proper disclosures.
The insurance company will then assess the risk associated with your profile and then decide on terms & conditions and the premium to be charged for providing you a health cover. The premiums charged will be higher and a waiting period will be applied for covering your pre-existing diseases. Moreover, if you are seeking an immediate coverage on your deteriorating health condition, you may go for a critical illness policy.

35 comments:

  1. I might want to thank you for the endeavors you have made in composing this article. I am trusting the same best work from you later on too.. vapehabitat.com

    ReplyDelete
  2. An impressive share, I given this onto a colleague who has been doing a small analysis for this. And hubby in truth bought me breakfast due to the fact I uncovered it for him.. smile. So ok, i’ll reword that: Thnx to the treat! But yeah Thnkx for spending plenty of time to discuss this, Personally i think strongly regarding it and adore reading more on this topic. Whenever possible, as you grow expertise, could you mind updating your website with additional details? It is highly ideal for me. Big thumb up just for this article! color changing banger from puffing bird

    ReplyDelete
  3. Wellbeing is attached to consume less calories, work out, maintaining a strategic distance from nourishments that can mess wellbeing up and every one of these proposals will help keep an individual wellbeing and conditioned.click

    ReplyDelete
  4. for example, cloud-based stockpiling, direct appended stockpiling (DAS), and system connected stockpiling (NAS), among others. blis m18 probiotic

    ReplyDelete
  5. Smoking cigarettes affects so many other parts of your life - your finances, you health, your friendships and relationships and even your job.vape zone dubai

    ReplyDelete
  6. Hi there, I’m an advanced university student and also I’m finding out considerably about writing as a result of writing about blogs and forums. I adore look in composing. It’s simple to implement though with very good information. A person’s language causes it to become pleasurable to learn to read and even have an understanding of. That’s an immense portion of producing. An individual’s admirers have to be rrn a position to realise what you’re indicating as well as posting really need to be interesting. You’ll want to challenge your readers, to make sure they will come back for much more. You are doing a great job wonderful a lot of these elements. Appreciate it! Marijuana News

    ReplyDelete
  7. Recommended Sites…[...]just below, are some totally unrelated sites to ours, however, they are definitely worth checking out[...]… Ash-Catchers.com

    ReplyDelete
  8. What?¦s Happening i’m new to this, I stumbled upon this I’ve found It absolutely helpful and it has helped me out loads. I hope to contribute & help different users like its aided me. Great job. Carb-Caps.com

    ReplyDelete
  9. That is really nice to hear. thank you for the update and good luck. percolator bongs

    ReplyDelete
  10. This is highly informatics, crisp and clear. I think that everything has been described in systematic manner so that reader could get maximum information and learn many things. ugo twist

    ReplyDelete
  11. The post is written in very a good manner and it contains many useful information for me. ugo-v ii

    ReplyDelete
  12. Thank you a bunch for sharing this with all of us you really recognize what you’re talking approximately! Bookmarked. Please also talk over with my site =). We may have a link alternate contract between us! Enail Kit

    ReplyDelete
  13. Wonderful article, thanks for putting this together! This is obviously one great post. Thanks for the valuable information and insights you have so provided here. kangertech subvod

    ReplyDelete
  14. Putting it bluntly, the outcomes of smoking usually cause a number of of this illnesses, heart or lung disease Blunt Collection

    ReplyDelete
  15. I really appreciate this wonderful post that you have provided for us. I feel strongly that love and read more 토토사이트 on this topic. I have spent a lot of my spare time reading your content. Thank you a lot.

    ReplyDelete
  16. Great job for publishing such a beneficial web site. Your web log isn’t only useful but it is additionally really creative too. There tend to be not many people who can certainly write not so simple posts that artistically. Continue the nice writing dewa poker

    ReplyDelete
  17. The blog and data is excellent and informative as well annuitize

    ReplyDelete
  18. Wow! Such an amazing and helpful post this is. I really really love it. It's so good and so awesome. I am just amazed. I hope that you continue to do your work like this in the future also. dewa poker

    ReplyDelete
  19. Good post but I was wondering if you could write a litte more on this subject? I’d be very thankful if you could elaborate a little bit further. Appreciate it! chief carts

    ReplyDelete
  20. But a smiling visitor here to share the love btw great pattern . https://royalcbd.com/product/cbd-capsules-25mg/

    ReplyDelete
  21. Hey, this day is too much good for me, since this time I am reading this enormous informative article here at my home. Thanks a lot for massive hard work. livre diabete type 2

    ReplyDelete
  22. Actually I read it yesterday but I had some thoughts about it and today I wanted to read it again because it is very well written. Soma Carisoprodol

    ReplyDelete
  23. Replenish 360 offers one of the most affordable wellness and preventative services that are personalized and one of the most activating one-of-a-kind IV drip and infusions, vitamin and antioxidant supplementation, micronutrient therapy, and other additional supplementary wellness services to “renew your body, refresh your mind, and restore performance.” Coachella IV Drips

    ReplyDelete
  24. too much vitamin-a can also cause osteoporosis but aging is the number cause of it,, business insurance

    ReplyDelete
  25. I think this is one of the most significant information for me. And i’m glad reading your article. But should remark on some general things, The web site style is perfect, the articles is really great : D. Good job, cheers detectives madrid precios

    ReplyDelete
  26. Hello there, I discovered your blog by way of Google at the same time as looking for a comparable topic, your site got here up, it seems to be great. I’ve bookmarked it in my google bookmarks. Bongs

    ReplyDelete
  27. Hey what a brilliant post I have come across and believe me I have been searching out for this similar kind of post for past a week and hardly came across this. Thank you very much and will look for more postings from you. https://www.brightensomeonesday.net/MAP/user/abodykr

    ReplyDelete
  28. Your music is astounding. You have some extremely capable specialists. I wish you the best of accomplishment. nicotine liquid

    ReplyDelete
  29. My spouse and i ended up being absolutely peaceful when Jordan managed to complete his studies from the ideas he made when using the blog. It’s not at all simplistic just to always be handing out procedures which often the rest might have been trying to sell. So we see we’ve got the writer to appreciate because of that. All of the explanations you’ve made, the easy site navigation, the friendships your site help foster – it’s all incredible, and it is leading our son in addition to the family feel that the situation is fun, and that is exceptionally indispensable. Thank you for the whole lot! U.S health Insurance

    ReplyDelete
  30. well of course, everyone loves to get rich but not everyone would love to do hard work,. Top Insurance Blog

    ReplyDelete
  31. You have a real ability for writing unique content. I like how you think and the way you represent your views in this article. I agree with your way of thinking. Thank you for sharing. Grass fed ghee

    ReplyDelete
  32. Resources similar to the one a person pointed out here may well be very useful to me! I will set up a link to this web page on my small blog. I’m particular my personal site visitors will discover which really helpful. insurance blog

    ReplyDelete
  33. I am very happy to discover your post as it will become on top in my collection of favorite blogs to visit. אלכוהוליזם

    ReplyDelete
  34. The JUUL is a portable "nicotine-delivery device" designed to mimic the physical and sensory experience of a cigarette, without looking like one. juul compatible pods uk

    ReplyDelete
  35. This article was written by a real thinking writer. I agree many of the with the solid points made by the writer. I’ll be back. vvs pens

    ReplyDelete

Powered by Blogger.