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Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on Jul 09, 2025 2 min read
In India, almost 35% of the total population are smokers. Varying from our health habits and lifestyle, smoking can cause deadly health complications. Therefore, securing health insurance for smokers can be very difficult. Either they will get less overall coverage, reduced rewards and benefits or have to pay higher premiums.
Read below to cut down on the confusion and myths about health insurance for smokers.
Yes, a smoker can buy a health insurance policy. According to the mandate of IRDAI, every individual has the right to apply for it.
However, it depends upon the insurance company to keep your medical tests intact before providing you with a plan. But the premiums or the maximum amount of sum insured largely depends on the plan you're going with.
Smoking is hazardous to health, it can even cause a person's death. So smokers are widely prone to critical illnesses or several diseases including- cancer, lung dysfunction, infections, Crohn's, and many more.
Hence the more times they get ill, the more they tend to make insurance claims. So insurance companies charge them almost double the premiums of a non-smoker. Thus, they're a subject of risk for an insurer, leading them to pay hefty premiums.
Buying a health insurance policy for smokers is a blessing. As it has multiple layers of protection, some of them are listed below:
Following different methods, you can save more on health insurance premiums, like:
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Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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