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Old 18.07.2006, 13:17
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Smoking & Health Insurance

Just wanted to share this with people because I couldn't believe what I was hearing!!

I have just been speaking to a health insurance company as I have now finally got my permit so can get my insurance, when my husband got his insurance he was considering going for a couple of optional extras on top of his basic but as he is slightly over weight and he has very mild asthma he was told that if he had to go to hospital for anything asthma related he would only be covered under the basic insurance not the extras because he is overweight - this really annoyed us but what can you do about it? anyway he decided to just go with the basic insurance as there seemed no point in getting the extras if they used his weight as an excuse against offering him the benefits in those extras - anyway i called the same company today to ask some questions about my insurance and to get some advice etc.. before deciding to go with them, i brough up the issue my husband had and he agreed that yes weight can affect the add on extra insurances so I asked if smoking does and he said not!! i couldn't believe this, so I asked if it was better for a person to smoke than be overweight and he basically said yes in an uncomfortable round about way!! I gave up smoking almost a year ago and have gained weight because of giving up so actually it would be better for me to still be smoking and be slimmer than to have quit and put weight on!! madness

As I said to him, it seems pointless to go for any extra insurances on top of your basic unless you are a hundred percent healthy person.

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health, insurance, smoking

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