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 IncludesSmoking 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 PremiumSmoking 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 ProblemsIf 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 and then decide on terms & conditions and the premium to be charged for providing you a health cover. The premiums charged will be higher and a waiting period will be applied for covering your pre-existing diseases. Moreover, if you are seeking an immediate coverage on your deteriorating health condition, you may go for a critical illness policy.Conclusion:Smoking makes an adverse impact on your health and your health insurance policy as well. An insurance company will charge you a higher premium in proportion to the risk associated in providing a health cover. An important point to note that you should disclose all relevant information regarding your health and smoking habits. In case, you are found hiding or providing fake information, the insurance company may decline in settling the claims.
How Smoking Impacts Your Health Insurance Policy
Attention Affiliate Marketers! Want to Get Your Products In Front Of Highly Targeted Audience!
If you get your products in front of a targeted market, you stand a good chance you are going to make an affiliate sale, which in turn means that you are going to your commission.Therefore if you are an affiliate marketer, you will agree that you are consistently trying to get your products in front of Highly Targeted Audience.However, you should always be conscious of staying away from spamming or even having your market regard you as spam if you intend to build a reputable business.In this article, I am going to teach a technique which is not a new technique. Still, it is an effective marketing technique especially if you are looking to market at low cost, affiliate and landing page friendly, scalable, no spam and effective marketing technique that is opened and read by your target market.You will use this technique in your marketing activities to get in front of a more Highly Targeted Audience. Irrespective of how you get in front of your audience currently.This low-cost marketing technique is Ezine Marketing. You may not have heard of Ezine Marketing before, or perhaps you are like me and have heard of it but didn’t take much note of it.However, either way, if you are not using Ezine Marketing part of your marketing activities, you are leaving a lot of money on the table.Now I would like to mention that Ezine Marketing is not spamming.I specifically mention this right now as I have recently been a victim of spam and I caught off guard was annoyed. ( and I am an affiliate marketer).This marketer was blatantly spamming my blog by leaving a comment only to promote.Even though annoyed, my thoughts went to those who are not affiliate marketers and how annoying they get.So spamming, unfortunately, is still happening despite all the great efforts to rid the world of it although there has been a significant reduction of spam to previous years.The point is that you don’t want to come across in your marketing efforts as a spammer.However, you can be more productive and effective by focussing your attention on a better and more targeted audience through ezine marketing.What Is EzinesFor those who may not have heard of it or those who are not that familiar with it?Ezine is an electronic magazine. The “E” from the word “electronic” and the “zine” from the word “magazine” is combined to make “ezine”.Similarly to subscribing to a magazine and have it delivered to your address, you would also subscribe to an ezine (which is an electronic magazine) and have it delivered to your address – this time it is to your email address.Never Going To Be Spam So please note – these ezines delivered to an audience who have subscribed to them. The result being ezine marketing is never spam.Ezines Opened And ReadEzine marketing is so effective as ezines get opened and read because the audience has all subscribed to receive them.The Ezine community is used to receiving ezines and therefore, are expecting some level of controlled marketing.Without Spamming So I hope you are noticing that Ezine marketing is a great way to get your product in front of a highly targeted audience without spamming.Build Your ListEzine marketing is a great way to build your list. It would be best if you were growing your list every day and ezines can help you build a highly targeted list as you can focus on a specific demographic age group culture etc.Affiliate Friendly And Landing Page Friendly You don’t have to be dictated by the social media platforms anymore as they force you to direct your audience, as you can send them straight to an affiliate link or to a landing page. So, therefore, Ezines are also affiliate friendly and landing page friendly.Short Mini-Course If you want to know more about getting involved with ezine marketing I have a quick mini-course to offer you that will give you all the information you need to make an informed decision to go ahead with ezine marketing or not.The course is short video training with easy to understand chunks of information so that you can put what you learn into action.It is delivered by the worlds first, and best DOE is the worlds first and best ezine resource for ezines advertising.So is this for you?So With Ezine Marketing, You Can Target Your Exact Market Avatar With Your Products1. Affordable2. Highly targeted3. Email marketing brings a high ROI4. Many ad types to choose from5. Affiliate friendly6. Capture page friendly7. Scalable
How and Where To Get Health Insurance for Low Income Individuals
In the US, reading the statistics of Americans without their health insurance is startling. According to Huffington Post, this 2012, almost 50 million Americans are living without health plans. This is different from years ago. And why does this happen? This is because there are lots of Americans today that don’t have jobs or cannot find stable jobs that can let them have the luxury of paying for their health plans. In some families, paying for their home rent is even a problem. So, is it still possible to secure health insurance for low income families and individuals while in the midst of the crisis? Yes, it is still possible according to experts. We only need to know where to find it.Health insurance for low income people are actually out there. Unfortunately, some of us know only few of them while other people don’t know how to tap them well. But as we have said, these resources are already here. So in this article we have gathered the most possible sources that we can tap to get almost the same benefits that low premium insurance plans can provide.Below are the best possible options in place of securing health insurance for low income people.
COBRA. This is the Consolidated Omnibus Budget Reconciliation Act. If you are out of job, you can try applying for COBRA and if you will be eligible you can continue your previous companies’ health insurance through this process. This is better than finding a new health insurance plan but there is a possibility that you may pay higher premium for it.
Workers’ compensation. If you are employed and your job is risky, inquire from your employer if you are under the Workers’ Compensation program. You can have injury compensations if you get injured during your work.
Medicaid. Even if you are employed, better apply for Medicaid especially if you belong to the low income bracket. Medicaid can help you pay your health care expenses or some of it if you can’t afford to pay for it. Medicaid exists through federal and state partnership and was designed to help low income families, disabled and old people with their medical expenses. You can also apply your family to Medicaid because this is an opportunity that your state provides to those who can’t afford paying for regular health insurance plans.
Medicare. This is an option that comes from the government and being administered by the Social Security administration. If you are unemployed or don’t have a regular employment and with a family, you can try enrolling yourselves and your family to Medicare especially if you are getting Social Security benefits. For those who are sixty-five years old or even older, they are most eligible to be under the Medicare programs.
State High Risk State Insurance Pools. All of us do have health problems sometimes and unfortunately when we have pre-existing medical conditions we are usually denied coverage by health insurance companies. If you are denied of such privilege and did not qualify for COBRA while getting health insurance for low income individuals can also be a problem, you can rely on high risk state insurance pools. You can inquire from your city administrators or community hospitals where you can apply for this option. You may still pay premium for the plan but at least this can answer your medical cost even you have pre-existing health conditions.
Short Term Health Insurance Coverage. This is an appropriate option for low income individuals who don’t have regular jobs or just starting to work on their new jobs. This is much like individual insurance policies but in this option you will only be under the coverage for short period of time. You only pay low premium with this one and while you are at it you can find time examining the viability of this insurance company if this could be the right choice for your long-term insurance coverage.
Group Health Insurance. If you are a member of an organization and without the health insurance, you can encourage your group to apply for a group insurance. With this type of insurance, you can choose from various insurance options how you want to be covered. The nice thing about being insured as a group is that you pay lower rates because your premium is scattered among your members. You may not get large benefit from it like what individual insurance plans can provide but at least you are also secured and have something to rely on. If you don’t have a group you can also search for organizations online that accept individuals for their group health insurance.
Group Sharing On Health Expenses. Basically, this is not a type of health insurance for low income people but it is a logical option for those who want financial support during medical crisis. This system works in simple process. You form a group and pool your money and deposit this money to the bank so that you are your own insurance health group. When one of you needed the expenses due to health concerns, the money can be used to support the individual’s medical expenses and he pays when he can be able to work. Religious groups usually do this but this can only be viable if there lots of people who will provide contributions.
With all these given options, providing health insurance for low income individuals is always possible. If all of us would realize the things we can get from these options, we don’t need to worry so much anymore. Getting confined in the hospital or treated with serious injuries without the health insurance is simply unimaginable so the only thing that we can do four ourselves is to rely on these options which equate the benefits provided by health insurance for low income people.