Does smoking affect health insurance?
Whether you smoke occasionally or are a chain smoker, you might be wondering if this habit will affect your health insurance.
To be considered a non-smoker by health insurers, you must have given up smoking for at least 2 years. Honesty is expected on health insurance application forms so you will need to make your smoker status clear.
The importance of having critical illness insurance
It's definitely something worth thinking about.
While it’s good to have outpatient benefits that cover minor diseases such as fever and flu, it’s the critical ailments that you should be looking out for. If you’re diagnosed with some form of critical illness, not only will you have to pay for the often exorbitant medical bills, but you may also end up having to take extra time off work to receive treatment, or even become unable to work.
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