What happens if you hide the habit of smoking cigarettes while taking insurance?

Many people who drink igarette say .. It is lost. But the next day they will go to mind again and smoke. The future will be brought into life. Well, if these things are kept separate .. If you hide any information including health problems while taking an insurance policy, it will be difficult for you. If you have a habit of smoking .. then you have to tell it in policy. Otherwise there are many problems.

Use of tobacco, especially smoking .. is one of the most harmful habits in India. Many people in India suffer from its life. Cigarette addiction is the main cause of cancer, respiratory problems, lung diseases and heart disease. This is why insurance companies are very careful while giving policies.

health insurance

If you have a habit of smoking .. then you have to pay more premiums for life and health insurance policies. Sometimes insurance companies may ask you to pay the premium double. In the event of health insurance, companies are asked to take medical checkups to focus on the details and habits of the person. The insurance premium is based on the result.

However, there is very little discount in health insurance. You should provide medical evidence that you have not gone tobacco for 12 to 24 months. If you present this document during the upcoming policy restoration .. then you will look back as a person who does not smoke. Can reduce your premium.

Surely said

If you stop smoking after taking term life insurance, the premium is low. Once the term life is determined by the insurance premium, it does not change to the end. If you hide the subject .. if you take a policy .. unfortunately if you die .. When claimed, the insurance company will get due to death. If the policy is hidden, the claim can be rejected. This is why it is possible to pay more fees for the insurance given to smokers.

Most insurance companies conduct a medical examination before issuing the policy. In this case, the person is tested for blood, urine, stool or hair to find out when the person has nicotine. A person asks that the insurance company is the cause of tobacco when he dies due to lungs and heart problems or is hospitalized. The person may not be able to claim insurance money.