People who smoke a lot, what insurance is good to buy

For those who smoke regularly, Senior Sister recommends giving priority to critical illness insurance and medical insurance, and if you want to improve protection, you can also buy life insurance and accident insurance to deal with the economic risks caused by death and accidents.

For those who don't know about these four major types of insurance, you can take a look at this article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

1. Critical illness insurance.

There is no doubt that smoking causes serious harm to human health, and studies have shown that smoking is associated with deaths from at least 11 types of cancer, including lung cancer, and the incidence of long-term smokers is 10 to 20 times higher than that of non-smokers. Therefore, people who smoke regularly need the protection of critical illness insurance. If the insured suffers from a critical illness that meets the contractual criteria, a lump sum payment will be paid.

This benefit is discretionary and can be used by the insured person to treat illness or to support the family.

2. Million medical insurance.

Million medical insurance can be used as a supplement to medical insurance, reimbursement of the scope that medical insurance can not cover, smokers are more likely to get sick, often need to run to the hospital, and million medical insurance can be reimbursed for reasonable medical expenses caused by illness, and the insured also has the opportunity to enjoy better medical resources. Therefore, it is recommended that people who smoke a lot must buy million medical insurance.

3. Accident insurance.

Accidents are everywhere, no matter what age group, you need to configure an accident insurance, which is not only to protect yourself, but also to give your family peace of mind.

4. Life insurance. According to research, people who smoke regularly, usually have a shorter life span than non-smokers, and the death rate is higher.

Hello, smoking is bad for your health and I want to quit as soon as possible. The insurance plan of young people should first participate in social security, and then consider some commercial insurance to supplement. Accident insurance, health insurance and pension insurance are considered in commercial insurance.

Here is a recommendation for you, there are currently as many as 15 insurance company products, you can compare products and choose the right insurance for you. Alternatively, you can call 4006788618 and we will recommend the right insurance for you. Here are some recommended comprehensive plans for your reference:

Huatai "Golden Life" comprehensive accident insuranceIt covers high-value accidental injury, accidental medical treatment, and transportation protection, which is suitable for business travelers who often travel for business.

1. 500,000 yuan for general accident insurance and 50,000 yuan for accident medical insurance;

2. Aviation accident insurance is up to 2 million yuan, and train, ship and automobile insurance is 500,000 yuan;

Allianz Health Cancer Insurance Plan

If you often like to smoke, then the damage to our lung health is relatively large, here it is recommended that you buy critical illness insurance and medical insurance to transfer the economic loss caused by the disease.

In addition, if you still want to improve your protection, you can choose to buy accident insurance and life insurance products to protect yourself.

If you don't know much about the types of insurance mentioned above, you can also take a look at this detailed introduction: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Smoking generally causes respiratory diseases, especially lung malignancy. This type of insurance can refer to the critical illness insurance of the insurance company. Critical illness insurance requires a medical examination before purchasing. If you pass the medical examination, you can purchase critical illness insurance.

Pacific life insurance, put your life in it, and go to the insurance company to understand the specifics.

Accidental death is recommended to be more effective

There is a big difference in the premiums paid between smoking and non-smoking customers. Because the rate of critical illness and mortality of non-smokers is completely different from that of non-smokers, non-smokers receive discounted premiums, while smokers receive normal premiums.

Rate differences. Two male customers, one smoker and the other non-smoker, both 40 years old, purchased a critical illness product with a sum insured of US$100,000 from a Hong Kong insurance company.

Non-smoker: 18 years, $3,470 per year.

Smoking: 18 years, $4,145 per year.

It is evident that the difference in premiums between smoking and non-smoking is close to 20%. Cherish life, protect wealth, and quit smoking as soon as possible! So how exactly should people who already smoke buy insurance?

1. Highest integrity.

First of all, the principle is "the highest integrity", that is, you must tell the insurance company the real situation of the questions asked by the insurance company, including physical condition (whether you have suffered from diseases, etc.) and living habits (whether you smoke and drink, etc.), which the insurance company will not know about the facts unless the insured takes the initiative to inform you.

If a certain amount of insurance is reached, the customer is required to undergo a physical examination, and whether he smokes or not, he will know at a glance. If the policyholder fails to disclose material facts that he or she knew or should have known at the time of application, he will be accused of failing to disclose the facts, and unnecessary disputes will be troublesome in the future. Although there is an indisputable clause in the policy, it is not applicable to insurance customers who conceal material facts or deliberately deceive.

If the policyholder deceives the insurance company and deliberately conceals the truth, the insurance company can refuse to pay.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! People over the age of 50 should consider pure protection products when buying insurance, so that they can get better protection with affordable ** and avoid the phenomenon of inverted premiums. In general, accident insurance and health insurance are both good options. Here's how to get started:

The physical function of the elderly is slowly declining, the risk of accidents that may be encountered has increased significantly, and the risk tolerance is also weakened. Therefore, it is recommended that people over the age of 50 give priority to accident insurance, and the "Worry-free" Comprehensive Yiqiao Waiwai Insurance Platinum Plan (18-74 years old) is a good choice. In addition, after the age of 50, the bone begins to become loose, and it is easy to fracture once you fall, so Min Zhaoran's accidental fracture insurance is also a type of insurance that you need to consider, such as Taikang "Old Fortune" accidental fracture insurance.

The ability of the elderly to resist disease is significantly weakened, and the possibility of disease increases. Therefore, after the elderly over 50 years old do a good job of accident protection, it is recommended to choose a suitable health insurance, which is best to cover common diseases of the elderly, such as malignant tumors, sequelae of stroke, paralysis, etc.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

There are three things to look at:

First, if you smoke a lot, such as three or four cigarettes a day, it doesn't matter, you can supplement the insurance or underwrite with the company in the future! If it is big, you must tell the insurance company in time, otherwise if there is an unfortunate smoking disease in the future, the company will have a reason to refuse the claim! (For example, lung disease depends on the specific regulations of each insurance company!)

It is recommended to call ** to consult! ）

Second, the number of years you smoke, if you smoke after buying insurance, it doesn't matter!

But if you smoked 5 or 10 years ago, I suggest you tell the insurance company about it!

Third, if the above two are negative answers, then, it also depends on the focus of your policy, if it is focused on critical illness, uphold the attitude of being responsible for yourself, I think it is recommended that you make supplementary information, if you buy the kind of accident insurance without disease protection, investment insurance and the like, there is no need, because there is no insurance liability.

My answer is not precise enough, and again, I recommend that you focus on your insurance company to see what they have to say, and they will give you the best answer! That's it, thank you! ~

In general, smoking can affect the purchase of insurance.

We all know that smoking is harmful to our health, with the potential to damage the nervous system, cause cardiovascular diseases, respiratory diseases, lung diseases, and more.

Then, under the premise that the probability of illness among smokers is high, in order to control the risk of claims, the insurance company will naturally pay attention to whether the insured has a smoking habit.

Friends who have bought insurance or are buying insurance should know that most insurance products on the market require health notification from the insured, and it is very common for "whether the company has bad lifestyle habits such as drinking and smoking".

Although the insurance company will determine whether and how to underwrite based on the information disclosed in the health notice of the insured, you should not hide the facts for fear of being denied.

Even if you are successful in applying for insurance, the insurance company will have a valid reason not to pay the insurance benefits due to subsequent insured accidents such as smoking-related illnesses or accidents.

If you want to protect your illness, but you can't buy critical illness insurance and medical insurance, you can also try to buy cancer insurance or cancer prevention medical insurance.

This type of insurance is specifically designed to cover cancer, with a low threshold and a relaxed health notice.

The senior sister wrote a popular science about cancer insurance, interested friends can take a look:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluationHope.

When purchasing insurance, the insurance company will also verify whether the insured smokes, and determine whether the insured needs to go into a physical examination according to the situation.

If you skip this link and the insured conceals her smoking, there is an act of insurance fraud, and the insured fails to fulfill the responsibility of truthfully informing him, and is likely to be rejected by the insurance company in the future insurance claim process.

Therefore, for smokers, they must truthfully inform the insurance company of their health status when purchasing insurance, which is not only responsible for themselves, but also to avoid disputes when making insurance claims in the future.

Extended reading: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"

So will smokers' insurance be affected?

In fact, the standard of insurance company verification and pricing is ultimately the health status of the policyholder. If a smoker is insured and his or her health is affected by long-term smoking, the premium may be increased if it is detected in a medical examination before applying for insurance.

When applying for insurance, individuals should truthfully fill in their health status, including whether they smoke, how long they smoke and how many cigarettes they smoke, and the insurance company will judge the customer's comprehensive health status and decide whether the customer needs a physical examination. The insurance company will consider it based on the health notice when determining the premium, but it may not be directly linked, and it will still be based on the medical examination status.

According to the different risk levels of different groups of people, insurance companies give different premium pricing, which is fair and responsible for both healthy and unhealthy people. A large number of medical clinical data prove that the incidence of specific diseases in smokers is indeed greater than that of non-smokers, and the expected mortality rate is much higher than that of non-smokers.

Although some insurance companies have tighter underwriting or surcharges for smokers, they are not strong enough. Insurance products should have stricter regulations when segmenting consumer groups, and in a sense, they will also help to carry out tobacco control.

Smokers should pay attention to the following points when buying insurance:

Health Notice: Most life insurance, critical illness insurance, and medical insurance have the following inquiries about smoking:

1. The number of cigarettes smoked per day is greater than n?

2. Have you ever been warned by a doctor to quit smoking due to physical reasons?

3. Number of cigarettes smoked * smoking age (year) > 400

Tell us the truth, and don't leave anything to chance. Choose products that are more lenient on smoking.

Smart underwriting: Try online products with smart underwriting, you can get the underwriting conclusion immediately, and you can buy directly after the underwriting is passed.