Here’s How Smoking Can Affect Health Insurance Policies
Smoking can have an adverse impact on your health, and this is a well-known fact. Cigarettes manufacturers are required to print a statutory warning on all boxes mentioning “smoking is injurious to health.” Approximately 30% of deaths from cancer are attributed to smoking. Apart from that, smoking also increases the risk of heart diseases by 16%. Companies that offer health insurance policies have taken note of this matter and are charging extra premiums from people who smoke.
The number of smokers in the world is growing significantly, and the habit is not just confined to the adults. Teenagers and schoolchildren are beginning to emulate their seniors, perhaps with the intention of showing off. What they fail to realize is that they could soon develop an addiction that would be difficult to break away from. They may also be unaware of the higher premiums they will need to pay for health insurance policies whenever they decide to purchase one for themselves. As such, there is a need to educate them about the negative impacts of smoking on their health as well as their finances.
What Do Health Insurance Companies Consider As Smoking?
Health insurance companies consider the inhalation of smoke from burning tobacco in the form of cigarettes or cigars as smoking. They do not care whether you are a regular tobacco user or just an occasional user.
The word health organization says that passive smoking also creates many problems among people who are not accustomed to smoking. Fortunately, insurance companies have considered the advice provided by the WHO and have exempted passive smokers from the conditions set for smokers.
Can Active Smokers Purchase Health Insurance Policies?
Insurance companies have not prohibited active smokers from purchasing health insurance policies. However, they usually charge an extra premium from active smokers. In some cases, they may even reject the application depending on the number of cigarettes an applicant smokes per day.
Active smokers may also be required to go through additional health checkups to help the insurance company to understand any risk factors they may be exposed to and to charge premiums accordingly.
How Does Smoking Affect Your Health Insurance Premium
Smoking can leave have a serious impact on your health in the form of the following:
Smoking results in an increased risk of heart attacks and high blood pressure. The building up of fatty acids can lead to atherosclerosis.
Smoking can result in severe, long-lasting illnesses. Active smokers are prone to high blood pressure, bronchitis, cancer, pneumonia, ulcers and other viral, bacterial, and fungal infections.
Smoking can and will damage the functioning of the lungs and cause breathlessness. It can cause major damage to the air sacs of the lungs, increasing the chances of developing bronchitis.
Smoking can have a serious impact on oral health, leaving the user with problems of tooth loss, gum disease, and tooth staining. When combined, these can increase the risk of tooth decay.
Active smokers who have been indulging in this habit for long are susceptible to cancer of the mouth, lungs and other organs.
When an active smoker decides to buy a health insurance policy, the provider will take into account the magnitude of all illnesses and deaths caused by smoking. Therefore, the applicant will be required to pay a higher premium as a cover for the risk factors. Insurance companies normally demand an extra 15 to 20% of the premiums for a health insurance policy from active smokers.
As you can see, smoking can have a long-term impact on your life both regarding your health and your finances, especially when you try to purchase health insurance policies.
More in Health Insurance
J-lo’s Daughter Amazes Crowd With Stunning Vocals At Mum’s Concert
Jennifer Lopez hits 50 soon, and she’s decided to go big! Kicking off her “It’s My Party” tour in Los Angeles,...June 17, 2019
Rock And Roll Legend Jerry Lee Lewis Finally Leaves Rehab After Stroke
It was jolly great news when Rock legend, Jerry Lee Lewis, completed his rehabilitation sessions. Reports indicate that he’ll soon be returning...June 17, 2019
Angelina Jolie Visits the Venezuelan-Colombian Border Refugee Camp
The occupants of the refugee camp at Maicao, Colombia, had a reason to smile on the first Saturday of June 2019....June 17, 2019
Marcia Cross Survives Anal Cancer and is “Grateful to be Alive”
Cancer is a cruel disease, and it doesn’t exclude celebrities. Marcia Cross is just one Hollywood actress who had to face it,...June 14, 2019
Kidada Jones Opens Up About the Death of Her Mother, Peggy Lipton
It’s been over a month since the death of the beloved Twin Peaks Star, Peggy Lipton. Her loving daughter, Kidada Jones has released a tribute to...June 14, 2019
Lady Gaga’s Mom Has an Important Message for Parents Everywhere
If you have ever wonder how difficult it may be to raise a depressed child or if you are currently dealing...June 14, 2019
Soothing and Delicious: Nutritious Foods That Can Help You Relax
Food is not only the fuel our bodies need to operate. It is also a source of pleasure, and many of...June 13, 2019
Jamie-Lynn Sigler Shows Off Her Fantastic Fit Body and Shares Her Secret
It‘s been some time since Jamie-Lynn Sigler’s fans last saw her on TV. You probably remember her as Tonny Soprano’s teenage...June 13, 2019
Will Smith’s Entire Family Joins Him On Red Carpet for the Premiere of Aladdin
It was a Tuesday night in Los Angeles, and as if the excitement over the premiere of Aladdin wasn’t enough, the press...June 13, 2019