I am 25 years old and am planning to buy health insurance. However, I consume alcohol occasionally. I am willing to disclose it in the proposal form. In the policy clause of most insurance plans I found an exclusion section which says, “The company shall not be liable to make any payments under this policy in respect of any expenses what so ever incurred by the insured person in connection with or in respect of use of intoxicating drugs/alcohol.” I want to know if: 1. Does it mean that I will not be covered for all illness/ailments which can be traced to alcohol consumption? 2. Are there any health insurance policies available specifically for those who consume alcohol?
You should disclose your alcohol consumption if the proposal form asks for it. Most insurers will accept applications from people who drink in moderation without any premium increases. The exclusion you refer to typically excludes cases that are caused due to abuse of alcohol or drugs. You need to be careful of the interpretation of this clause: 1. There have been a few cases where insurers have taken a conservative view in claims related to liver cirrhosis. Especially, when the hospital papers claim that the person consumes alcohol. 2. Such view is not tenable, if the insured (you) can establish that it was not excessive consumption that caused the cirrhosis. 3. Cases of road accidents, where the person was driving under the influence of alcohol or drugs, are rejected outright by the insurers. The information for this is generally in the medico-legal documents where the police or hospital record your state when the accident took place. There are no special policies to cover alcohol consumers. Insurers also do not generally load extra premium based on alcohol consumption patterns of the individual.