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How Smoking Impacts Your Health Insurance Policy

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  • How Smoking Impacts Your Health Insurance Policy

    It's a well-known fact that smoking causes an adverse effect on your health. You must have seen the warning message on all cigarette boxes - 'Smoking is injurious to health'. Smoking tobacco is a root cause of 30% of all cancer deaths and causes 16 times higher risk of heart attack.

    There are almost 120 million smokers in India. As per World Health Organization, India accommodates around 12% of the world's smoking population. The number of men smoking tobacco has increased from 78 million in year 1998 to 108 million in the year 2015. Tobacco consumption is accountable for the death of 6 million people each year. Direct tobacco consumption accounts for over 5 million deaths and 0.6 million deaths are due to exposure to second-hand smoke. Considering serious public health risks, the Government has banned smoking in public places from 2nd October, 2008.

    Not only your health, it also causes you to pay higher premiums for a health insurance policy, due to increased health risks and shorter life expectancy. A nonsmoker however, gets premium discounts as a reward to lead a healthy lifestyle. Being a smoker, it is advisable not to hide your smoking habit from your health insurance company, as it helps you to cover the smoking-related health issues.

    There is a wide curiosity among people, how smoking impacts the health insurance and its cost. Let's educate yourself about smoking and its impact on health insurance policy.

    Smoking - What It Includes

    Smoking includes inhalation of of the smoke of burning tobacco in the form of cigarettes, cigars and beedi. Whether you wecare riteaid com are an occasional smoker or frequent smoker, you will be considered as a smoker under the health insurance policy.

    Smokers can buy health insurance, however an insurance company may charge extra premium or reject your application for insurance, depending on the number of cigarettes you smoke on a regular basis. A smoker may also have to go through additional health check-ups that can help an insurance company to ascertain the risk factor and then charge the premium amount accordingly.

    How Smoking Affects Your Health and Insurance Premium

    Smoking makes the serious impact on your health, some of them are detailed below.

    Circulatory System: Smoking results in increased risk in the heartache and blood pressure. Building up of fatty acids could resulting to atherosclerosis.

  • #2
    I would advise anyone to give up smoking as soon as possible because it's economically not profitable


    • #3
      If you smoke, the insurance company would have a much worse offer for you. It’s because they think you will probably get health issues and need more money than an average person. It will not necessarily be like this, but they are right about this in a way. Smokers risk having much more health issues than people who do not smoke.
      Smoking also hits your budget because cigarettes are not that cheap. But even if you smoke and don’t want to give this bad habit up, you can still try to work with Finity Group financial advisors and lawyers to get a better offer from an insurance company and develop an individual financial plan for you.


      • #4
        Smoking is really horrible, my friend who has smoked since he was 16 recently found out he had cancer.


        • #5
          Hi, I would like to say that in this case it is important not to give up hope.
          Whether cancer can be cured depends on the type and stage of cancer, the type of treatment, and other factors. Some cancers are more likely to be cured than others. But every cancer must be treated differently. There is no one cure for cancer.
          Many doctors and oncologists speak well of niclo sam capsules, and this drug has helped many in combination with chemotherapy. I hope you find this information helpful.


          • #6
            While smoking is widely known to have negative impacts on health, it's also important to consider its effects on health insurance policies. Smoking can increase the cost of insurance premiums due to the higher risk of health problems associated with it. Switching to alternatives like Snus could potentially help lower insurance costs while still satisfying nicotine cravings. Snus comes in a variety of flavors and can be purchased easily online.


            • #7
              The Loy XL Disposable Vape Products sleek and compact design that fits comfortably in your hand or pocket. Its portable nature makes it ideal for those who are always on the move. Whether you're traveling, attending social gatherings, or simply want a discreet vaping option, the Loy XL offers convenience without compromising on performance.


              • #8
                Smoking has a significant impact on health insurance policies. Insurance providers consider smoking as a high-risk behavior that increases the likelihood of various health issues. As a result, smokers often face higher premiums and limited coverage compared to non-smokers. Here are some ways smoking can affect your health insurance policy:
                1. Higher Premiums: Smokers typically have to pay higher premiums for their health insurance coverage. Insurance companies consider smoking a risk factor that increases the chances of developing smoking-related diseases, such as lung cancer, heart disease, and respiratory problems. To compensate for this increased risk, insurance providers may charge smokers higher monthly premiums.
                2. Limited Coverage: Some health insurance policies may exclude coverage for smoking-related illnesses for a certain period after policy initiation. This exclusion period is typically known as a waiting period. During this time, if a smoking-related health issue arises, the insurance policy may not cover the associated medical expenses.
                3. Additional Medical Underwriting: Smokers may undergo a more rigorous medical underwriting process when applying for health insurance. Insurers may require detailed information about smoking habits, medical history, and may even request a medical examination. This process helps insurers assess the level of risk and determine appropriate coverage and premiums.
                4. Smoking Cessation Programs: Some insurance providers offer smoking cessation programs and resources to policyholders. By participating in these programs and successfully quitting smoking, individuals may be eligible for lower premiums or other benefits. Quitting smoking not only improves health outcomes but also reduces insurance-related costs.


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