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Are you a Smoker?

Since smokers face higher premiums for their health insurance, there are a few things they can do to change this.

1) Quit Smoking – if you quit smoking for at least 2 years during the policy period, health insurers may consider this and lower your premiums accordingly.

2) Joining a Smoking Cessation Program – if you are unable to quit on your own, many health insurance companies offer, or have tie-ups with smoking cessation programs that can help you do so. Again, you must show at least 2 years without smoking before your premium changes.

3) Look at Different Insurance Companies – since there is a large population of smokers in India, there are a few health insurance companies that offer policies to them with comparatively lower premium amounts. You can research and look for such companies.