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In India, almost 35% of the total population are smokers. Varying from our health habits and lifestyle, smoking can cause deadly health complications. Therefore, securing health insurance for smokers can be very difficult. Either they will get less overall coverage, reduced rewards and benefits or have to pay higher premiums.
Read below to cut down on the confusion and myths about health insurance for smokers.
Yes, a smoker can buy a health insurance policy. According to the mandate of IRDAI, every individual has the right to apply for it.
However, it depends upon the insurance company to keep your medical tests intact before providing you with a plan. But the premiums or the maximum amount of sum insured largely depends on the plan you're going with.
Smoking is hazardous to health, it can even cause a person's death. So smokers are widely prone to critical illnesses or several diseases including- cancer, lung dysfunction, infections, Crohn's, and many more.
Hence the more times they get ill, the more they tend to make insurance claims. So insurance companies charge them almost double the premiums of a non-smoker. Thus, they're a subject of risk for an insurer, leading them to pay hefty premiums.
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
A plan with 3 variants offering up to 1 Cr SI. It covers expenses incurred during hospitalization resulting from serious illness or accident.
Unique Features
A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.
Unique Benefits
The plan comes in 2 different variants offering a sum assured up to 1 Cr. The policyholder can cover his/her entire family under one policy.
Unique Features
Buying a health insurance policy for smokers is a blessing. As it has multiple layers of protection, some of them are listed below:
Following different methods, you can save more on health insurance premiums, like:
Seeking a health insurance plan for smokers might feel a challenging yet essential part as they're more resistant to a healthy lifestyle. So it's always a good idea to stay fit and healthy. Prioritizing your health in the first place can give you the freedom to live more healthily and for a long.
Also, don't let these challenges deter you from taking a healthy path forward. Withstanding the right coverage of health insurance, this task can become a lot easier to help you embrace a happy life afterward.
Quitting smoking will provide you with multiple health benefits in the long run. It can absolutely tend to a premium reduction over a period of time.
If a smoker tries to withhold his smoking habit from their insurer, this tempts a negation in your policy. It may lead your claims to be rejected and/or you can get into legal trouble as well.
Like non-smokers, if smokers are found with any pre-existing conditions like hypertension or diabetes, the insurer may ask for multiple medical tests. After this only it'll be decided whether you'll get a policy or not.
Yes definitely. Smokers have a broader risk of health and they're more prone to deadly diseases. So premiums in their case are typically higher than non-smokers.
Most of the insurance companies in India, don't allow to change the status of a smoker to non-smoker in their policy.
Yes, whether you prefer smoking cigarettes or vaping, health insurance is available. But, the premiums will be high in both cases.
You need to inform the insurer during the time of renewal.
Generally, nicotine will leave the blood within 1 to 3 days.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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