HEALTH INSURANCE FOR SMOKERS ALL YOU NEED TO KNOW

We all have heard, read, and listened to the warnings: smoking is injurious to health and causes cancer, Tobacco causes mouth cancer and may kill/ Chewing tobacco is harmful to health/Chewing pan masala can be injurious to health. But how many of us know that there is Health Insurance for Smokers as well?

India is one of the countries that has the biggest plagues of smoking-related health issues, with millions of people affected. Despite the health risks associated with smoking, Compare and buy health insurance for smokers with suitable coverages, though it comes with specific considerations and conditions.

 

Did you know the consumption of tobacco and smoking by men and women?

According to the research; The men and women gap in tobacco use among pre-adult people is narrowing. In 2019, 7.4% of girls and 9.4% of boys were tobacco users. Without interventions to help the youth quit, the number of smokers might increase. A 2040 vision document suggests that those born after 2022 should not be exposed to tobacco advertising or new tobacco products, and packaging should be plain.

This blog will explore everything you need to know about health insurance for smokers.

 

Smokers Can Get Health Insurance

Health Insurance providers consider anyone who smokes cigarettes, cigars, hookahs, or pipes or uses smokeless tobacco more than four times a week to be a smoker. To ensure them, understand the term called Health Insurance for Smokers first.

Understanding Health Insurance for Smokers

Health insurance is very essential for managing medical expenses, especially for smokers who are at a higher risk of developing serious health conditions like lung cancer, heart disease, and respiratory illnesses. Health Insurance companies recognize these risks and offer policies that are designed especially for smokers, admitting to some differences compared to non-smokers.

 

Why Health Insurance is a Must for Smokers in India

Health insurance is a must for smokers because smoking greatly increases the risk of serious health problems, which can be very expensive to treat. Having insurance helps cover these costs and ensures you can get the care you need.

Smoking can cause:

• Lung disease that makes it hard to breathe, called Chronic Obstructive Pulmonary Disease (COPD)
• Lung Cancer: A deadly cancer affecting the lungs.
• Respiratory Diseases: Includes chronic bronchitis and severe asthma.
• Emphysema: Damages the air sacs in the lungs.
• Heart Diseases: Increases the risk of heart attacks and other heart issues.
• Oral Cancer (mouth and Throat)
• Stroke: Higher risk of stroke, which can cause serious disability or death.
• Pregnancy Complications: This can lead to miscarriages, premature birth, and low birth weight in babies.
• Weakens bones, making them more likely to break called Osteoporosis.

 

Key Differences in Health Insurance for Smokers in India

1. Higher Premiums

The most significant difference between health insurance for smokers and non-smokers is the premium cost. Smokers are considered high-risk clients, leading to higher premium rates. The exact increase varies depending on the insurer, the smoker's age, and the frequency of smoking, but it can be substantially higher than for non-smokers.

2. Medical Examinations

Insurers often require a medical examination to assess the smoker's health status. This exam helps determine the level of risk and the appropriate premium rate.

Note: Honesty about smoking habits is essential, as providing false information can lead to claim rejections in the future.

3. Coverage Scope

While the basic coverage remains the same, insurers might exclude certain smoking-related illnesses or charge extra for covering them. It's essential to read the policy document carefully to understand what is included and what is excluded.

4. Waiting Periods

Policies for smokers might have longer waiting periods for specific conditions. This means that for certain smoking-related diseases, the insurance coverage might not be available immediately after the policy is purchased.

 

Tips for Smokers Seeking Health Insurance

• Compare Policies

Given the higher premiums, it's essential to compare policies from different insurers. Look for plans that offer the best coverage at the most affordable rates.

• Consider Comprehensive Plans

Opt for comprehensive health insurance plans that provide extensive coverage, including critical illness coverage. This ensures better financial protection in case of severe health issues.

• Lifestyle Changes

If you're planning to quit smoking, inform your insurer. After a certain period of being smoke-free, you might qualify for lower premiums, as some insurers consider ex-smokers less risky than active smokers.

• Understand the Terms

Carefully read the policy documents to understand the terms and conditions, especially exclusions related to smoking. Being informed helps avoid surprises when filing claims.

• Seek Professional Advice

Consult with insurance advisors to get personalized recommendations based on your health status and insurance needs. They can guide you through the complexities of choosing the right plan.

 

List of Best Health Insurance Companies for Smokers In India to Compare and Buy

1. ManipalCigna Health Insurance Company Limited
2. Niva Bupa
3. Bajaj Allianz
4. Care Health Insurance
5. HDFC ERGO
6. New India Assurance
7. Reliance General Insurance
8. SBI General Insurance
9. Star Health and Allied Insurance

Read more : What is an abha card and its benefits with health insurance

 

Why Health Insurance for Smokers is Important

The potential medical expenses resulting from smoking-related illnesses can be overwhelming. Health insurance provides a financial safety net, ensuring access to necessary treatments without depleting your savings.

Additionally, having health insurance encourages regular health check-ups, leading to early detection and treatment of potential health issues.

Conclusion

Your family and friends need you. Save their lives and save yours by insuring with Smoking Health Insurance. Don’t let your life float in smoke. Health insurance for smokers is a vital consideration, given the higher health risks associated with smoking. While the premiums may be higher and the conditions stricter, the financial protection and peace of mind it offers are invaluable.

By understanding the nuances of health insurance for smokers and making informed choices, smokers can ensure they are adequately covered and prepared for any health challenges that may arise.

Avoid unwanted medical emergencies by comparing and customizing your Health Insurance with us.

 

FAQs

Q1. What time is correct to buy this insurance?

Ans: The best time to buy health insurance is as early as possible. The younger and healthier you are, the lower your premiums will be. It's also crucial to get coverage before developing any smoking-related health issues.

Q2. Is there any age limit to buy this insurance?

Ans: Most insurance providers offer health insurance to individuals up to 65 years of age. However, it's advisable to check with specific insurers, as some may have different age limits.

Q3. What is not covered?

Ans: Exclusions can vary, but common exclusions for smokers might include specific smoking-related illnesses like lung cancer or COPD if declared pre-existing. Always read the cancer insurance policy in detail.

Q4. Can I claim smoking health insurance?

Ans: Yes, you can claim health insurance for treatments covered under your policy. However, honesty about your smoking habits is essential when purchasing the policy to avoid claim rejections.