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Smoker/drinker healthinsurance.

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24 Nov, 2020 by  vikrant khanna


What are the implication of cost and affect of health insurance for smoker and drinker.

Thank you.

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Health Insurance

1 Answer

24 Nov, 2020

Hello Vikrant,

There are no standard cost implications in health insurance for smokers. You don't get charged differentially as a smoker. However, insurers ask detailed questions about your lifestyle habits including smoking habits to ascertain the risk they are covering. In case someone smokes excessively - like 10 cigarettes a day, depending on your age, you could be asked for additional medical tests or additional premium or both. Some insurers may even decline the cover, of the declaration of a bad smoking habit is coupled with other lifestyle conditions like being overweight or having a chronic disease.

Hope this helps.


Team Beshak

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24 Nov, 2020
vikrant khanna
Thanks. Cheers!
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