Often people fall into the false belief that smokers or drinkers can’t buy a life insurance for themselves. To clear the air, the fact is that insurance companies do offer insurance to smokers but the difference lies in their terms and conditions which are completely different from that of a non-smoker.
There’s no denying that smokers are more prone to lifestyle diseases as compared to non-smokers. Therefore, don’t get mad if being a smoker results in buying a life insurance at higher premium rates.
Why does a person who smokes needs health insurance?
A smoker needs to have a health insurance policy in order to cover himself against all ailments that may arise in the future. Some of the serious diseases that affect smokers includes lung cancer, bronchitis, chronic obstructive pulmonary disorders, stroke, heart diseases, etc.
Besides, listed below are some of the pointers that you need to know if you are going to buy a health insurance policy
How smokers can avail a health insurance policy?
When you buy an insurance policy, insurance companies ask a few questions regarding your smoking habits. This includes some very common questions such as - How often do you smoke? Have you undergone any medical treatment due to smoking or drinking? They will also ask about your age and regular health condition.
Remember, the insurance company decides premium on the basis of your current health condition. So, those who do not smoke and have no pre-existing ailments can buy health insurance policy very easily. Moreover, if you smoke only few cigarettes a month and have got no pre-existing illnesses before, then also you can avail a health insurance plan easily. Although, those who smoke a high number of cigarettes on a daily basis, health insurance companies may reject their request.
‘There’s nothing more important in life than a good health’. Therefore, in order to get a secure health insurance plan, you must quit smoking and drinking as soon as possible as this will not only mitigate health risks, but will also reduce the cost of your health insurance premium. Besides, if you are looking to buy a health insurance plan for smokers, then Canara HSBC OBC Life Insurance is the ideal option for you.