Why Smokers Should Not Skip Health Insurance

As per a new survey, nearly one-third of the respondents said that they avoid buying a health insurance policy as they are apprehensive of facing rejection for their application by insurance firms due to their unhealthy habits. More than half of those participating in the survey also said that they had not revealed their smoking habit while purchasing health insurance policies. Smokers fear that insurers will consider ailments that may arise in future, a result of their habits and reject the application or claims. However, such concerns are unnecessary.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

     

    Smoking or pre-existing ailments don't automatically restrain you from getting a health cover. It’s just that companies get a little more cautious while examining such applications. It is a misconception that if the proposer is a smoker, the application for policy purchase will be rejected without any second thoughts. In India, smoking, by itself, does not lead to premium loading or rejection of policy applications. However, if smoking has resulted in health complications at the time of making the proposal, it can affect the insurer's decision to issue you a policy.

    Most insurers do not charge higher premiums from smokers, but some do take it into account while issuing policies. However, that decision depends on the individual's disclosure, medical reports and the company's stance.  The health insurance providers usually ask additional questions to seasonal smokers while underwriting their policy request. The decision depends on the frequency of smoking. For regular smokers, the company loads or excludes certain health conditions depending on the health status of the proposer. The proposals are rejected if the seeker smokes more than 40 cigarettes a day.

    As for pre-existing lifestyle illnesses like diabetes and hypertension, the seriousness of the condition would determine the fate of your application. Policyholders under the age of 45 are typically issued policies on the basis of the declaration of good health. However, if you happen to be a smoker or suffer from lifestyle diseases, you will have to go through medical tests. Premiums will be decided on the basis of your state of health. For instance, if you suffer from Type-II diabetes, most insurers will refuse to issue policies. Even if they do, they could issue specialized policies and the premium could be four to five times higher.

    Many companies refuse to extend policies when you disclose pre-existing lifestyle diseases. Even if some companies agree to issue policies, they will come with premium loading.

    Full and Honest Disclosure For Smokers is mandatory

    However, this does not mean that one should hide a health condition or personal habits to obtain a cover. The cover would become worthless if you develop complications later. The insurance firm will be entitled to reject such claims.

    Written By: PolicyBazaar - Updated: 02 August 2021

    Health insurance articles

    Recent Articles
    Popular Articles
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Does a Health Insurance Policy Cover Depression?

    27 Sep 2021

    Stress is one of the biggest contributors to lifestyle diseases...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Top Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL