Is there separate insurance for those who smoke beedis and cigarettes? Why is health insurance more important for smokers?

If you're a smoker, meaning you consume cigarettes or tobacco, health insurance is crucial. The health risks of smoking directly impact your finances. Problems like lung cancer, heart disease, and respiratory illnesses require expensive treatment. In such a situation, a good health insurance policy can be a significant help in managing your medical expenses.

Smokers face a much higher risk of illness than non-smokers. Lung and heart conditions, blood pressure, and chronic respiratory disorders are often linked to smoking. Health insurance covers the cost of treatment, hospitalization, surgery, and medications for these illnesses. This provides both financial security and peace of mind.

Why do smokers pay higher premiums?
Insurance companies classify smokers as "high-risk" because they are at a higher risk of serious illnesses. This is why smokers' premiums can be 15% to 50% higher than those of non-smokers. Many companies ask for information about smoking or require medical tests during the application process to determine the premium accurately.

Smokers vs. Non-Smokers: How Much Does It Matter?

Aspects: Smokers vs. Non-Smokers
Healthcare costs are approximately 40% lower, but may increase with age
Life insurance premiums are 1.5 to 2 times higher in general if health is good
Life expectancy is approximately 13 years lower
The risk of diseases (cancer, heart disease, etc.) is lower
Claim risk: False information may result in a claim being rejected
More successful claims

What happens if a smoker lies?

Many people conceal their smoking habits when purchasing insurance, but this can prove to be a serious mistake. Insurance companies determine the truth through medical tests or reports. If it is later discovered that you provided false information, the company may reject your claim or cancel the policy. Therefore, it is always wise to be honest.

What to do if you already have a health problem?
If you're a smoker and have a pre-existing condition, health insurance becomes even more important. Insurance companies determine premiums based on pre-existing conditions, but they still cover your medical and hospital expenses.

Easy Ways to Reduce Premiums and Improve Health

1. Join a smoking cessation program - Many insurance companies offer such programs.

2. Adopt a healthy lifestyle - Exercise, eating right, and maintaining weight control are essential.

3. Get regular health checkups - Early detection makes treatment easier.

4. Choose a high-deductible plan - This may slightly reduce your monthly premium.

What to consider when purchasing a policy

Compare premiums and coverage from different companies.

Check whether the plan includes coverage for smoking-related illnesses.

Check the company's list of network hospitals.

Check whether the policy offers programs to help people quit smoking.

Health Insurance for Smokers: A Necessity, Not an Option
The cost of smoking-related illnesses can add up quickly, impacting the financial situation of any average family. In such a situation, health insurance is not just a safety net but a life-saving shield.

Disclaimer: This content has been sourced and edited from Dainik Jagran. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.