India health insurance for Smokers and Drinkers

While purchasing a health insurance policy, the lifestyle of the insured plays a key role in determining if coverage will be offered or not, and if the coverage can be offered, what are the terms and conditions of the same. It is very important to note that it is not a market practice that any individual who smokes and consumes alcohol is immediately denied an insurance policy. Smokers and drinkers can most definitely avail health insurance and all insurance companies extend cover as well, albeit some with some restrictions, and some insisting on pre policy medical tests. Similarly being a vegetarian or non vegetarian does not exclude any individual from coverage.

It may also be that someone who smokes and consumes alcohol, may do so in limited quantities and may also be a regular at the neighborhood gym, and may lead an active lifestyle overall. All this information as declared by the insured on the application form online, will be reviewed by the insurance company’s underwriter and then a suitable decision may be taken.