Health Insurance Plans For Smokers And Non-Smokers

Health insurance companies define a smoker as a person who uses nicotine in any form. Insurers insist on medical tests to detect regular smokers and determine the premiums for coverage. Traces of nicotine can be detecting in your blood, urine, hair, and saliva. The length of time nicotine stays in your system depending on how often you smoke, age, and general health condition.

Non-smokers with no pre-existing illnesses can easily avail health insurance with minimum documentation. If you smoke a few cigarettes a day; suffer no pre existing illnesses and are generally fit; you can easily avail health insurance. Any complications like a lung condition suffering by smoking at a later time are covered in the health insurance plan. Then insurance companies reject proposals of those who smoke more than 20-40 cigarettes a day.

Health insurance in smokers

The insurance companies offer the same plans to both and non-smokers. Premiums are loading on those who smoke more than 10 cigarettes a day. If you smoke 2-4 cigarette packets a day; health insurance Companies may reject the proposal.

Chain smokers and addicts may face an outright rejection. Many insurers don’t insist on a higher premium for smokering unless there are health complications. For example, Religare Health Insurance Company doesn’t load premiums for smokers. The underwriting norms vary across health insurance companies. This is why you have some health insurance companies charging different premiums for smokers and non-smokers.

Illnesses affecting smokers

Many smokering person believe that insurers consider all future ailments to be the result of smoking and would reject applications. This is an unnecessary concern. Make honest and proper disclosures and go through the medical test. A smoker must insure himself against critical illnesses which could arise in the future with the smoking habit.

Respiratory illness, stroke, hypertension, heart disease, lung cancer, chronic obstructive pulmonary disease are serious illnesses affecting. Health insurance companies cover smokers as this segment is large. If you are a smoker or have given up smoking long ago, disclose it. Be honest with the facts on your health when signing up for a health insurance policy; even if you are a smoker.