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Does occasional alcohol intake be a reason for premium loading in health insurance?

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09 Nov, 2020 by  vikrant khanna

Can occasional alcohol intake be a reason for premium loading in health insurance?

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09 Nov, 2020

Hello Vikrant,


In our experience, occasional alcohol intake on a standalone basis has not been a reason for premium loading in health insurance. The reason for premium loading will usually be something more serious - like chronic health conditions, multiple chronic diseases (like Hypertension and Diabetes together), obesity, addiction, or near addiction (excessive consumption) to alcohol or smoking.

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24 Nov, 2020
vikrant khanna
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