How can a smoker get a health insurance policy? - Health insurance - ghlatest
A smoker gets a health insurance policy - Just like a non-smoker would do, simple. However, don't forget to mention your smoking habits while getting your health insurance. You may be asked when and how much you have been smoking.
The premium could be slightly higher as compared to a non-smoker person, but that's how health insurance works.
Also Check: How do I make a claim on a motor insurance policy?
The amount of insurance premiums charged by the insurance companies is determined by statistics and mathematical calculations done by the underwriting department of the insurance company. The level of insurance premium charged to a customer depends on statistical data that exists about the life history, age, and health.
For example in India, Optima Restore, one of the best-selling health insurance plans by HDFC ERGO Health lets smokers buy health insurance online, and as part of their lifestyle questions would ask about their smoking habits. That's it.
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