- About Coverfox
Contrary to the common belief, smokers can get health insurance coverage provided they meet the eligibility criteria decided by the insurance providers. If you are a smoker, insurance companies may require you to go through a pre-policy medical check-up in order to confirm your eligibility for health insurance coverage. You will also be required to provide details of your smoking habits such as how many cigarettes you smoke in a day. This information is used by the insurance provider to assess the amount of coverage you will need and the premium you will have to pay for the insurance cover.
This blog presents in detail everything you need to know about health insurance for smokers.
According to health insurance providers, a smoker is anyone who consumes tobacco in any form, such as cigarettes, cigars, gums, chewing tobacco, etc. A person consuming tobacco continuously for six months, more than 4 times a week is classified as a smoker. Insurers often check the daily consumption of tobacco by smokers to find out how risky their profile is. It is recommended to be honest about your smoking habit and not hide any information so that you get the right coverage and your claims are not rejected in the future.
There are no special health insurance policies available for smokers. The major difference between health insurance plans for smokers and non-smokers is the premium amount. The premiums are higher for smokers compared to non-smokers for the same health insurance policy. Let us see how smoking affects your health insurance premium.
Being a smoker does not necessarily mean that you have to pay high premiums for getting health insurance. The following steps can help a smoker reduce his health insurance premiums.
Smoking kills millions of people in India every year. It is not just the smoker, whose health gets affected, but people around him are also affected due to passive smoking. It causes many life-threatening diseases like Chronic Obstructive Pulmonary Disease (COPD), respiratory diseases, heart diseases, oral cancer, etc. As it affects many organs including the lungs, insurance for smokers is a necessity to deal with the harmful consequences of smoking.
Here is why health insurance is important if you are a smoker.
Even if you are a smoker, having health insurance cover at a high premium is better than not having any health insurance cover. Health insurance will protect you and your family during a medical emergency and will also protect your savings. Most insurers reward their customers for maintaining good health and not making any claims. Hence, good health insurance will also help you in securing your health and the future of your family. Quit smoking for better health and protect your finances.