Can Smokers Buy Health Insurance?

Smoking is one of the most challenging concerns in India, claiming thousands of lives every year.

The government takes necessary action to urge users to quit smoking cigarettes and reduce consuming tobacco. Despite these efforts, ongoing support and resources are essential for those looking to safeguard their health.

Smoking individuals can also buy health insurance online to safeguard themselves against potential health complications related to smoking.

Smokers’ health insurance can provide coverage for various medical expenses during an emergency. In this blog, we will learn in detail about the best health insurance for smokers.

What is Meant by Medical Insurance for Smokers?

There is this misconception that smokers can not avail of health insurance benefits because of their smoking habits. It is not true; various insurance providers offer medical insurance for smokers to cover their medical expenses during emergencies.

As per the Insurance Regulatory and Development Authority, smokers can also apply for health insurance considering the premium cost, terms and conditions.

Given the underlying health complications of smoking, such as respiratory issues, cancer, and more, critical health insurance is best for smokers.

To get affordable health insurance for smokers, individuals need to undergo several tests, such as a medical examination and a health questionnaire, based on which the insurance premium and coverage amount are decided.

Once the tests are done, the individual can apply for health insurance and choose a plan that best suits their needs.

Benefits of Smokers Health Insurance

Regular smoking can cause serious health complications such as oral cancer, stroke, lung cancer and more. By investing in the best health insurance for smokers, individuals will get multiple benefits. Some of them are listed below:

Financial Support

One of the major benefits of buying affordable health insurance for smokers is the reassurance it brings during medical crises. Moreover, under a critical health insurance policy, policyholders receive a lump sum amount in case of a diagnosis of critical illness.

The policy will cover the policyholder’s medical and other expenses, providing a much-needed safety net in the hour of need.

Top Notch Medical care

Another benefit of buying smokers’ health insurance is the assurance of top-notch medical care in an authorised hospital. Critical illness treatments, such as cardiovascular disease, respiratory disease, etc., are costly and can disturb individuals’ finances.

However, with a health insurance plan, individuals can receive treatment in good healthcare facilities, ensuring they get the best care possible.

Tax Benefit

Another crucial reason for buying affordable health insurance for smokers is that it offers tax benefits.

Under Section 80D of the Income Tax Act, individuals who purchase health insurance plans can claim tax deductions on the premium paid.

This relaxation reduces individuals’ tax liability, providing a significant financial benefit.

Conclusion

Smoking can lead to various health complications such as heart disease, lung disease, etc. The expenses associated with treating these illnesses can be quite high.

Hence, it is best to buy medical insurance for smokers as it offers medical coverage for potential health issues related to smoking. This insurance can provide financial support and access to necessary medical services, ensuring that smokers receive the care they need while managing their health risks.

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