In China, which is known as a major tobacco country, about 50% of men have the habit of smoking, but if they are old smokers, the probability of developing lung cancer increases dramatically, and according to reliable data, about 90% of lung cancer patients have the habit of smoking. So, can smokers get critical illness insurance? Will a smoker be denied life insurance?

Can smokers buy critical illness insurance?

In fact, this question cannot be generalized, but requires underwriting and attention to detail. We distinguish whether a smoker can buy critical illness insurance from these aspects:

1. Tell the truth: many critical illness insurance involves the issue of smoking, such as smoking more than N cigarettes per day, is it because of physical reasons by the doctor to warn to quit smoking, or smoking more than * smoking age (years) per year, do not hide, after all, whether smoking, through the urine test nicotine test, a check will know;

2. Underwriting: After informing the truth, other people hand over to the insurance company for underwriting. Generally speaking, people who smoke around 15 cigarettes a day or less are likely to buy critical illness insurance standard body, don't worry too much. It costs extra to smoke more than 15-25 cigarettes a day, and more than 40 are likely to be denied insurance.

Will smokers be denied life insurance危疾保險?

Probably, life insurance is not smoker-friendly, and many term life policies are priced to split between smokers and non-smokers. The difference between life insurance for nuclear and critical illness is small, with charges generally required for daily smoking of 25 cigarettes or more and denial of coverage for 40 cigarettes per day.