Tag: Smoking

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It's a well-known fact that smoking causes an adverse effect on your health. You must have seen the warning message on all cigarette boxes – 'Smoking is injurious to health'. Smoking tobacco is a root cause of 30% of all cancer deaths and causes 16 times higher risk of heart attack.

There are almost 120 million smokers in India. As per World Health Organization, India accommodates around 12% of the world's smoking population. The number of men smoking tobacco has increased from 78 million in year 1998 to 108 million in the year 2015. Tobacco consumption is accountable for the death of 6 million people each year. Direct tobacco consumption accounts for over 5 million deaths and 0.6 million deaths are due to exposure to second-hand smoke. Considering serious public health risks, the Government has banned smoking in public places from 2nd October, 2008.

Not only your health, it also causes you to pay higher premiums for a health insurance policy, due to increased health risks and shorter life expectancy. A nonsmoker however, gets premium discounts as a reward to lead a healthy lifestyle. Being a smoker, it is advisable not to hide your smoking habit from your health insurance company, as it helps you to cover the smoking-related health issues.

There is a wide curiosity among people, how smoking impacts the health insurance and its cost. Let's educate yourself about smoking and its impact on health insurance policy.

Smoking – What It Includes

Smoking includes inhalation of of the smoke of burning tobacco in the form of cigarettes, cigars and beedi. Whether you are an occasional smoker or frequent smoker, you will be considered as a smoker under the health insurance policy.

Smokers can buy health insurance, however an insurance company may charge extra premium or reject your application for insurance, depending on the number of cigarettes you smoke on a regular basis. A smoker may also have to go through additional health check-ups that can help an insurance company to ascertain the risk factor and then charge the premium amount accordingly.

How Smoking Affects Your Health and Insurance Premium

Smoking makes the serious impact on your health, some of them are detailed below.

Circulatory System: Smoking results in increased risk in the heartache and blood pressure. Building up of fatty acids could resulting to atherosclerosis.

Immune System: Smoking results in severe and long lasting illnesses. Smokers are more prone to develop ulcers, cancer, pneumonia, high blood pressure, bronchitis, and other viral / bacterial / fungal infections.

Respiratory System: Smoking may damage lung functions and breathlessness. It may cause damage to the air sacs of the lungs, increased chance of developing chronic bronchitis.

Oral Health: Smoking can lead to tooth loss, tooth staining, gum disease which may increase the risk of tooth decay.

Cancer: Smoking for a long time also causes cancer to various body organs.

When it comes to a health insurance policy , an insurance company considers the magnitude of illnesses and deaths caused due to smoking and that's why, smokers need to pay higher premiums to avail health insurance cover. Typically, the insurance companies charge around 15 to 20 percent higher from a smoker policyholder. Those who smoke would need to undergo additional medical checks, before the insurer issues you the policy.

Let's understand the difference of premium between a smoker and non-smoker individual.

Ritesh (non-smoker) at 30 years of age buys an individual health plan with Rs 5 Lacs coverage, for 1 year policy term, the chargeable annual premium amount is Rs 4,656. However, Raj (smoker) is buying an individual health plan, he is charged with an annual premium amount of Rs 7,552. An increase in premium amount is only due to the fact that Ansh lies in the smoker category of premium. We can see Raj is paying Rs 2896 extra on account of smoking.

Smoker with Existing Health Problems

If you are a frequent smoker that has caused the symptoms of the declining health condition and getting puzzled whether you can get a health insurance. The answer is yes, the only thing required is to make honest and proper disclosures.

The insurance company will then assess the risk associated with your profile …

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While we consider female lack of desire and women's health news on carcinogens in cigarettes position a risk to everyone, our world's women are over twice as likely as males to get aggressive kinds of lung cancer and more likely to establish it at an earlier age.

– And women, it turns out, have an even harder time stopping than guys.

– Stopping cigarette smoking is much easier said than done.

– Females are likewise more likely to die of lung cancer than breast cancer.

– Stronger withdrawal signs may be credited to hormonal agents or the larger nicotine dosage absorbed by smaller female bodies.

No matter female's age, the dangers of cigarette smoking add to female lack of desire and women's health news everywhere today tells us infertility, osteoporosis, blindness, and stress and anxiety, surely may result.

The expecting mothers who smoke threat not just their health, but their children '.

Passing smoke impacts the children and other individuals around moms who smoke.

Smoking cigarettes and smoking health issues is a vice that almost always starts during adolescence.

They probably never will when teens finish from high school without ever smoking routinely.

Smoking problems while kids turn into women's smoking problems and the latter get the worse health problems.

Youths may exhibit symptoms of addiction within a couple of weeks or days right after they began smoking cigarettes.

While cigarette smoking was unusual in women through the history books, but during the late 1800's, and in to the 1910's, the tobacco industry recognized the potential of women as a gold mine for the expansion of the cigarette market.

In truth, tobacco business released the campaign slogan, "Instead of a sweets like ice cream and candy, grab a smoke," which quickly encouraged women to smoke so as not to gain weight.

This was followed by, "You've come a long, terribly long way, young lady," as a tribute to the burgeoning women for equal rights parade.

These marketing projects not just portrayed female's cigarette smokers as stunning, enjoyable and independent, but also sent out subliminal messages that cigarette smoking assists women to manage their weight.

Cigarette ads are banned in kids and teenager's magazines.

In a previous discussion I explored the many things in the way for women and a life of self-confidence and success.

But still in much of the world billions of dollars are spent on other ways to advertises like alongside the highway, billboards, and adult publications which can quickly be accessed by the youth.

Because since the late 1980's lung cancer has actually exceeded breast cancer as the leading cause of cancer deaths among females in the United States.

Cigarette smoking causes heart illness, which is the number one killer of the western world's female population.

Women who smoke likewise damage their beauty they once held, and they do recognize this in the mirror.

Smoking speeds up the aging procedure and produces more facial wrinkles, gum illness, oral decay, raspy voice, and bad breath, and female lack of desire and women's health news on this is everywhere.

I mean mental health is likewise affected due to anxiety and stress anxiety conditions.

Ladies are more likely to be depressed and be a woman with lack of libido, than non-smokers, which young and older women with anxiety disorders are more likely to smoke.

Some females, nevertheless, are finding innovative methods to break the practice for the rest of their lives.

Participating in activities where smoking cigarettes would not fit, such as exercising, biking, mountain-climbing, as well as turning to a non-smoking lifestyle that consists of going to smoke-free places with your kids.

The dangers of smoking for women has increased attention and awareness for young women's health and from female entrepreneurs and companies, resulting in a number of jobs that focus on supporting tobacco cessation efforts particularly for our lovely women of the world.

The Course in Miracles states, "The body can not know. And while you limit your awareness to its tiny senses, you will not see the grandeur that surrounds you."

Regardless of age, the threats of smoking contribute to all kinds of women's health issues and lead to female lack of desire and women's health …

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