Health Insurance For Smokers

Get access to a comprehensive policy that has a wide coverage for smokers.

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How Does Health Insurance for Smokers Work?

Many people who smoke tend to avoid getting health insurance as they believe that insurance companies don’t offer coverage for smokers. But this is a myth, as a smoker, you can purchase a comprehensive health insurance policy that provides broad coverage.

It is true that being a smoker will automatically heighten the amount of premium you have to pay when compared to a non-smoker. However, it isn’t that high, and it shouldn’t make you change your mind about purchasing a health insurance plan.

Smoking is not only bad for your health but also for your wallet. Since smoking makes you more vulnerable to illnesses, having health insurance can be beneficial for you.

Other Types of Insurance That Will Be Beneficial to You

Protecting yourself and your loved ones is important, however, since unwanted situations can happen anywhere, at any time. Check out other insurances below for a worry-free life.

Self-Employed Health Insurance

If you don’t have an employer to cover for you, getting Self-Employed Health Insurance can be the best option. You are free to choose the coverage of your plan that meet your needs and suits your personal priorities.

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Family Health Insurance

This is a form of insurance designed to cover your entire family in a single policy. The program covers a broad range of benefits for all of your family members, including medical costs, hospitalisation, and other medical expenses.

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Why Should You Choose the Thaiger?

Getting health insurance for smokers can be difficult. That’s why we aim to make it easier than ever for you. We’ll help you find the right protection for your health at the right price by comparing and compiling various insurers in Thailand. All you have to do is click get a quote and get in touch with us, and we’ll do the rest of the hard work.

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What Factors Affect Health Insurance Premium for Smokers?

Smokers typically pay higher life insurance rates, but the actual premium is calculated by a number of other factors, including your age, fitness, family history, and coverage choices.

The inclusions of your health insurance policy will be determined by how frequently you smoke as well. There are many different groups of tobacco users, ranging from casual smoker to heavy smoker. If you use nicotine products of any kind, such as cigarettes, cigarillos, chewing tobacco, and even vape, insurers will classify you as a smoker. The amount of coverage and premiums you will pay will be determined by how frequently you smoke.

If you quit smoking, you may be treated as a non-smoker, after at least one or two years.

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What Types of Nicotine Products That Makes Insurers Identify You As a Smoker?

Insurance firms use saliva, urine, or blood samples to see whether you have nicotine or cotinine in your bloodstream to decide whether you’re a smoker. These chemicals can be produced if you’ve used a variety of tobacco or nicotine products, but not if you’ve just been exposed to secondhand smoke, which is why it’s so important to specify the type of nicotine product you use.

Chewing Tobacco

Chewing tobacco is generally considered the same as smoking in terms of health care. You’ll be eligible for smoker rates, which are usually two to three times higher than non-smoker rates, and the amount of chewing tobacco you do will impact the cost of coverage.

Cigars and Pipes

If you smoke cigars and pipes, you will be considered a smoker, especially if you test positive for nicotine during the medical examination.

Nicotine Gum and Patch

Some companies treat nicotine gum the same way they treat cigarettes when it comes to health insurance premiums, and others will treat you as a non-smoker. If you use these products, make sure to inform your insurer because it will have an impact on your premiums.

Vaping and e-Cigarettes

Since most insurers consider vaping to be a form of smoking, you’ll be assigned a smoker ranking when it comes to premiums. When applying for health insurance, make sure to mention that you vape because not all insurers handle them the same, and you might be qualified for a better rate.

Best Health Insurance Rates for Smokers

Shopping around and comparing several insurers are the secret to finding the best health insurance prices, whether you use nicotine or not. You can get a sense of what is a decent deal by having at least a few health insurance quotes. Here at the Thaiger, we can assist you in comparing quotes from insurance companies that are nicotine-friendly.

If you’re currently a smoker who wants to quit, you won’t be eligible for the best health insurance rates for at least 12 to 24 months after quitting. In this scenario, the most cost-effective alternative is to buy a short-term policy and then upgrade to a longer-term policy once you’ve stopped smoking for long enough to qualify for non-smoker prices. You could buy the desired policy and then request a health class reconsideration. Still, you should consult with your health insurance provider to see if this is possible.

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