How Smoking Impacts Your Health Insurance Policy


It is a well-known undeniable fact that smoking causes an adversarial impact in your well being. You could have seen the warning message on all cigarette packing containers – ‘Smoking is injurious to well being’. Smoking tobacco is a root explanation for 30% of all most cancers deaths and causes 16 instances larger danger of coronary heart assault.

There are nearly 120 million people who smoke in India. As per World Well being Group, India accommodates round 12% of the world’s smoking inhabitants. The variety of males smoking tobacco has elevated from 78 million in 12 months 1998 to 108 million within the 12 months 2015. Tobacco consumption is accountable for the dying of 6 million folks annually. Direct tobacco consumption accounts for over 5 million deaths and 0.6 million deaths are as a consequence of publicity to second-hand smoke. Contemplating severe public well being dangers, the Authorities has banned smoking in public locations from 2nd October, 2008.

Not solely your well being, it additionally causes you to pay larger premiums for a medical insurance coverage, as a consequence of elevated well being dangers and shorter life expectancy. A nonsmoker nonetheless, will get premium reductions as a reward to steer a wholesome way of life. Being a smoker, it’s advisable to not conceal your smoking behavior out of your medical insurance firm, because it lets you cowl the smoking-related well being points.

There’s a large curiosity amongst folks, how smoking impacts the medical insurance and its price. Let’s educate your self about smoking and its influence on medical insurance coverage.

Smoking – What It Consists of

Smoking consists of inhalation of of the smoke of burning tobacco within the type of cigarettes, cigars and beedi. Whether or not you might be an occasional smoker or frequent smoker, you can be thought of as a smoker below the medical insurance coverage.

People who smoke should buy medical insurance, nonetheless an insurance coverage firm could cost additional premium or reject your software for insurance coverage, relying on the variety of cigarettes you smoke regularly. A smoker may additionally need to undergo extra well being check-ups that may assist an insurance coverage firm to determine the chance issue after which cost the premium quantity accordingly.

How Smoking Impacts Your Well being and Insurance coverage Premium

Smoking makes the intense influence in your well being, a few of them are detailed beneath.

Circulatory System: Smoking ends in elevated danger within the heartache and blood stress. Build up of fatty acids may ensuing to atherosclerosis.

Immune System: Smoking ends in extreme and lengthy lasting sicknesses. People who smoke are extra susceptible to develop ulcers, most cancers, pneumonia, hypertension, bronchitis, and different viral/bacterial/fungal infections.

Respiratory System: Smoking could injury lung features and breathlessness. It could trigger injury to the air sacs of the lungs, elevated likelihood of creating persistent bronchitis.

Oral Well being: Smoking can result in tooth loss, tooth staining, gum illness which can improve the chance of tooth decay.

Most cancers: Smoking for a very long time additionally causes most cancers to numerous physique organs.

Relating to a health insurance policy, an insurance coverage firm considers the magnitude of sicknesses and deaths brought on as a consequence of smoking and that is why, people who smoke must pay larger premiums to avail medical insurance cowl. Usually, the insurance coverage firms cost round 15 to 20 p.c larger from a smoker policyholder. Those that smoke would wish to endure extra medical checks, earlier than the insurer points you the coverage.

Let’s perceive the distinction of premium between a smoker and non-smoker particular person.

Ritesh (non-smoker) at 30 years of age buys a person well being plan with Rs 5 Lacs protection, for 1 12 months coverage time period, the chargeable annual premium quantity is Rs 4,656. Nonetheless, Raj (smoker) is shopping for a person well being plan, he’s charged with an annual premium quantity of Rs 7,552. A rise in premium quantity is simply as a consequence of the truth that Ansh lies within the smoker class of premium. We are able to see Raj is paying Rs 2896 additional on account of smoking.

Smoker with Current Well being Issues

If you’re a frequent smoker that has brought on the signs of the declining well being situation and getting puzzled whether or not you will get a medical insurance. The reply is sure, the one factor required is to make trustworthy and correct disclosures.

The insurance coverage firm will then assess the chance related along with your profile after which determine on phrases & situations and the premium to be charged for offering you a well being cowl. The premiums charged might be larger and a ready interval might be utilized for masking your pre-existing ailments. Furthermore, if you’re looking for a direct protection in your deteriorating well being situation, you could go for a essential sickness coverage.


Smoking makes an adversarial influence in your well being and your medical insurance coverage as nicely. An insurance coverage firm will cost you a better premium in proportion to the chance related in offering a well being cowl. An vital level to notice that you need to disclose all related info concerning your well being and smoking habits. In case, you might be discovered hiding or offering pretend info, the insurance coverage firm could decline in settling the claims.


Source by Harjot Narula