What Happens if Put Non Smoker on Your Health Insurance and You Start Smoking Again
How a smoker can buy health insurance

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Synopsis
The insurability of smokers is adamant by the seriousness of pre-existing lifestyle diseases similar diabetes and hypertension.
Past C.South. Sudheer
One of the biggest myths in personal finance is that smokers tin can't get wellness insurance. Contrary to popular belief, health insurance companies do offer coverage to smokers albeit with dissimilar terms and weather condition equally compared to not-smokers. Do go on in listen that being a smoker may force yous to avail health insurance at a college premium. Even so, this must non deter you from availing health insurance as smokers are more prone to lifestyle diseases than non-smokers.
How tin can a smoker become a wellness insurance policy?
Wellness insurance companies define a smoker equally a person who uses nicotine in whatever form. Insurers insist on medical tests to notice regular smokers and make up one's mind the premiums for coverage. Traces of nicotine can exist detected in your claret, urine, hair, and saliva. The length of time nicotine stays in your arrangement depends on how often you lot smoke, age, and general health condition.
Insurers ask near your smoking habits, when you lot sign upwards for a health insurance plan. The mutual questions are: Do you smoke? Take you been using tobacco in the last 6 months? Insurers ask for the number of cigarettes smoked or health weather condition suffered because of the smoking habit. If you accept declared the smoking addiction, insurers may insist on medical tests to run into their underwriting norms. They too consider the historic period and sum assured when offering a health insurance plan. It is appropriate for a smoker to become his/her medical tests done past the insurance company at the time of buying the policy itself to reduce area for dispute at the time of claim.
A smoker must update the insurer on lifestyle changes to ensure he doesn't face any problems during claim settlement. Updation on lifestyle changes could be an increase in the number of cigarettes smoked or deteriorating wellness.
The wellness insurance company decides premiums based on the state of your health. The insurability of smokers is adamant past the seriousness of pre-existing lifestyle diseases like diabetes and hypertension. Insurers may turn down policies to smokers suffering from Type ii Diabetes.
Non-smokers with no pre-existing illnesses can easily avail wellness insurance with minimum documentation. If you smoke a few cigarettes a day, suffer no pre-existing illnesses and are mostly fit, you can easily avail health insurance. Any complications similar a lung condition suffered by smoking at a later time are covered in the health insurance plan. Health insurance companies pass up proposals of those who smoke more 20-forty cigarettes a solar day.
Are in that location different health insurance plans for smokers and non-smokers?
Health insurance companies offer the same plans to both smokers and non-smokers. Premiums are loaded on those who smoke more than than ten cigarettes a solar day. If you lot smoke 2-4 cigarette packets a day, health insurance Companies may reject the proposal.
Insurers look at daily tobacco consumption and status of a person'due south health. Many health insurance companies insist on medical tests if a prospect is over twoscore years or seeks a high sum assured. If the medical test reveals a particular health complication, that specific ailment is excluded in the initial years of the plan.
Chain smokers and addicts may face up an outright rejection. Many insurers don't insist on a higher premium for smokers unless there are health complications. For case, Religare Health Insurance Company doesn't load premiums for smokers. The underwriting norms vary beyond health insurance companies. This is why yous have some health insurance companies charging different premiums for smokers and non-smokers. Taking upwardly smoking abeyance programs past insurers lowers wellness insurance premiums for smokers. Y'all would take to stay away from smoking for at to the lowest degree 2 years earlier premiums drop.
Why does a smoker need health insurance?
Many smokers believe that insurers consider all future ailments to be the event of smoking and would reject applications. This is an unnecessary business concern. Make honest and proper disclosures and get through the medical test. A smoker must insure himself against critical illnesses which could arise in the future with the smoking habit. Respiratory disease, stroke, hypertension, centre disease, lung cancer, chronic obstructive pulmonary disease are serious illnesses affecting smokers.
Many smokers don't avail health insurance assertive the claims would be partially or fully rejected. A claim is rejected for non-disclosure of a related ailment caused by smoking at the time of buying the policy. Health insurance companies have a waiting period of ii-4 years before pre-existing diseases are covered. The pre-existing disease weather condition are the same for smokers and non-smokers, though there might be some exclusion for smokers. In that location'southward a mandatory waiting flow of 1 month from the date on which the policy was availed, where only accidents are covered. At that place's a two twelvemonth waiting catamenia for conditions like kidney stones and hernia and a 4 yr waiting period for major pre-existing diseases.
If you have been quack and this includes non updating the lifestyle changes, insurers turn down the claims. Health insurers behave medical tests at the time of claims and can detect lifestyle changes similar a annunciation of smoking ii cigarettes a 24-hour interval, while actually smoking 6 cigarettes a day. The nicotine shows up in the blood and urine tests. In all this, the higher premium and waiting period are worth it, as hospital bills can wipe out your depository financial institution account.
The claim settlement procedure for both smokers and non-smokers remain the same. Insurer'southward get to know of a customer'due south status as a smoker at the fourth dimension of policy purchase based solely on the self-declaration. Enquiry shows that nearly people don't disclose their smoking condition when availing health insurance. If the insurer finds yous are a smoker at a later stage, and this crucial information was not disclosed, information technology is willful not-disclosure of material data. This leads to the rejection of your claim.
Health insurance companies cover smokers every bit this segment is large. If yous are a smoker or have given up smoking long ago, disembalm information technology. Be honest with the facts on your health when signing up for a health insurance policy, even if you are a smoker.
(The author is CEO and Founder of IndianMoney.com)
(Disclaimer: The opinions expressed in this column are that of the writer. The facts and opinions expressed here practice not reflect the views of www.economictimes.com.)
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Source: https://m.economictimes.com/wealth/insure/health-insurance/how-a-smoker-can-buy-health-insurance/amp_articleshow/69953046.cms
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