Health Insurance For Smokers: Everything You Need To Know

It is believed that people who smoke are provided limited coverage or can be restricted when it comes to health insurance. But this is not true. Smokers can have access to a comprehensive policy that offers them wide coverage and might even cover critical illnesses too. Considering the fact that smokers are more prone to illnesses than those who do not, insurance companies provide sufficient coverage to them as well, but, at a slightly higher health insurance premium. So, limited coverage should not be a thing that stops smokers from buying health insurance plans.;

Smoking and health insurance seem counterproductive but there are several insurance companies that offer health insurance plans for smokers that cover them for many illnesses and diseases

Need For Health Insurance For Smokers

People who smoke might think that the insurance companies may not cover them along with their families considering the adverse impact of smoking on health, but it is not the case. Insurance companies offer them complete coverage against numerous critical illnesses such as stroke, hypertension, lung cancer, chronic obstructive pulmonary disease, and respiratory illness, etc. As these are some illnesses that may affect a smoker, hence it is recommended to timely get a reliable health insurance policy that covers the same. Apart from these illnesses, a health insurance policy also covers certain illnesses, injuries, and diseases that the insured individual may suffer from in case of an accident.

How Can Smokers Get Health Insurance?

A smoker, as per health insurance companies, is someone who consumes nicotine in any form. Therefore, before selling a health insurance plan, the companies may ask about the smoking habits of the policy buyer and may even insist him/her undergo a medical test done so that the health insurance premium can be determined. The policy buyer must inform the insurance company honestly about the smoking habits to avoid any dispute or rejection at the time of claim. This includes information about the use of nicotine over a fixed period of time, the number of cigarettes smoked in a day, medical conditions (if any) because of nicotine intake.

Insurance companies also take into consideration the sum insured and age of the policy buyer before offering a health insurance plan. Apart from this, the insurance companies also consider pre-existing diseases if any, like hypertension or diabetes, after which they will offer health insurance plans with their premiums.

Buying Health Insurance For Smokers Online at InsuranceDekho

People who smoke can choose from plenty of options when it comes to buying health insurance plans online at InsuranceDekho. The process is simplified and takes just a few minutes. The steps to buying a health insurance policy online at InsuranceDekho are mentioned below:

Step 1: Visit InsuranceDekho’s website, i.e, www.insurancedekho.com. Then select the health tab.

Step 2: Select Gender. Then enter your Name and Mobile Number. You will receive an OTP on the mentioned number. Please enter that in the box given.

Step 3: Select the time when you wish to buy the health insurance policy. Click on the ‘View Instant Quotes’ and proceed further.

Step 4: Choose your family members you want to add to the health insurance policy with yourself.

Step 5: Select the age of family members. Then click on ‘Continue’.

Step 6: Enter your ‘Email ID’ and ‘City’ in the next section and click the ‘Submit and View Quotes’ button. Then you will find a number of insurance plan quotes as per your preference. Select a health insurance policy that is most suitable for you and your family.

Step 7: Select the term of the selected health insurance plan. Duly fill in the required details. Then pay the health insurance premium to complete the process.

Benefits of Buying Health Insurance For Smokers Online

Buying health insurance online has simplified the experience of getting insured. It has not only enabled the potential health insurance policy buyers to easily compare health insurance plans online but select the most affordable health insurance policy for themselves and their families within a few minutes, helping them to save time too. Given below are some more advantages of buying health insurance plans online:

• Many health insurance plans to choose from before selecting the most suitable one
• Utmost convenience of shopping offered
• No influence of agents or middlemen
• Raising claims online is easy
• Access to account anytime and from anywhere
• Instant coverage
• Discounts offered
• Quick payment method
• Paperless process