If you smoke a pack of cigarettes a day, you spend around Rs 150. This means you spend Rs 4,500 a month and this is huge. Smoking is injurious to health and causes critical ailments like cancer, stroke and heart disease – Just to name a few. Despite this, people continue to smoke at high cost to their health and that of the Nation.
Understand the importance of being healthy and the rest comes later. If you are a regular smoker or even an occasional one, you are likely to face health issues. If you are diagnosed with cancer caused by heavy smoking, you would spend Lakhs of rupees on health. How would you bear the medical expenses? When you spend so much on smoking, availing a health insurance policy is something you dare not miss.
Many smokers believe they will not get health insurance because of the smoking habit, but the good news is smokers can avail health insurance. As a smoker, you are expected to pay a higher premium on health insurance plans vis-à-vis non-smokers.
If you use nicotine in any form, you are a smoker. Tests can detect nicotine in blood, saliva, urine and hair. If you are a smoker, the insurer will ask you to undergo medical tests and then fix the health insurance premium.
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When you say you are a smoker, you are expected to be honest with disclosures. Whether you are a regular or occasional smoker, disclose the right details. For example, the insurer may ask you to disclose the exact number of cigarettes you smoke a day and the history of smoking. Do not hide anything and tell them the truth. This is very important. Willful non-disclosure leads to the rejection of the health insurance policy claim.
If you cannot afford high premiums, you have an option to find an insurer who offers an inexpensive health insurance plan. In fact, there are some insurance companies that offer lower premiums to smokers.
Another option you can consider is join smoking cessation programs to reduce the cost of health insurance. Such programs are managed by some employers and insurance companies. This is a major incentive to quit smoking.
See Also: Health Insurance Benefits
Insurers ask you to stay away from smoking for a given amount of time to consider you as a non-smoker. Only then you enjoy lower premiums on health insurance plans. In order to know smoking status, the insurer takes into account the result of the medical tests. This helps determine health insurance premium for smokers.
Make sure to avail health insurance against critical diseases. Respiratory illness, stroke, hypertension, heart disease, lung cancer can kill smokers.
See Also: What Is Health Insurance?
Try to get health insurance even though you are a regular smoker to keep yourself and family free from financial burden. This is the last resort. Try to quit smoking and enjoy a lower health insurance premium.
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