Know this key health insurance rule: Smoking and alcohol habits could cost you more; avoid claim rejection.

Health Policy Tips: It is essential to provide accurate information about habits like smoking and alcohol consumption when purchasing health insurance. Providing incorrect information can lead to higher premiums and the risk of future claim rejection.

Health Insurance Premium: People often focus solely on premiums, coverage, and the list of cashless hospitals when buying new health insurance. However, did you know that insurance companies also assess your lifestyle and health-related habits before issuing a policy? Consequently, if you smoke or consume alcohol, it can impact everything from your premium to the processing of future claims.

If you are considering purchasing health insurance, disclose all details regarding your health-related habits accurately. Providing incorrect or incomplete information could cause your policy to get stalled or even rejected during future claim settlements. Therefore, it is crucial to be transparent about your habits when buying the policy to avoid any complications later.

How do smoking and alcohol affect premiums?

Smoking increases the risk of serious conditions such as heart disease, cancer, stroke, and various lung ailments. For this reason, insurance companies may charge smokers higher premiums compared to non-smokers.

Similarly, if you consume alcohol regularly in large quantities and a medical assessment indicates a higher health risk, your premium may be increased. In some instances, the company might also require you to undergo a medical test.

Can a claim get rejected?