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A look into the size of the hole smoking can burn in your back pocket when it comes to health insurance
Date:
2015-05-01 Smoking will typically increase the amount you pay for health insurance by just under 20%.
Most health insurers increase their premiums by between 16% and 20% to account for the higher likelihood of smokers experiencing costly health problems compared with non-smokers.
Interest.co.nz has compared premium prices between seven insurers, for basic health cover, with an excess of $500.
In the study, aimed at providing a simple snapshot of how much being a smoker can cost you, interest.co.nz has used the profile of a single male aged 25, 35, 45, 55 and 65.
Findings show most insurers take a similar approach, formulating a pricing structure to accommodate for the greater risk smokers pose compared with non-smokers.
ANZ, Partners Life and Sovereign increase their premiums for older smokers slightly more than they do for younger smokers. A 25-year-old smoker for example pays 16% or 17% more than a non-smoker, while a 65-year-old smoker pays 19% more.
吸烟会提高你的医疗保险保费金额
如果你是吸烟者的话，那么你要注意了，由于吸烟者比非吸烟者更容易患上需要花费昂贵治疗费用的疾病，所以大多数保险公司对吸烟者会提高16%—20%的医疗保险保费。
Interest.co.nz比较了六家保险公司的基本医疗保险的保费，抽取年龄在25岁，35，45，55和65的男性吸烟者和非吸烟者在医疗保险支付保费的简单对比。调查结果显示，因为多数吸烟者比非吸烟者出现健康问题的风险更大，所以多数保险公司采取了类似的做法，对吸烟者和非吸烟者制定不同的保费定价。
吸烟者与非吸烟者每月医疗保险保费对比（NZD）
年龄
25
35
45
55
65
不吸烟/吸烟
NS
S
NS
S
NS
S
NS
S
NS
S
AIA
52.34
59.55
76.09
119.54
225.59
ANZ OnePath
49.54
58.15
52.65
61.90
74.75
88.42
123.56
147.02
210.26
251.09
NIB
42.20
50.64
43.94
52.72
61.17
73.14
112.11
134.54
206.70
248.04
Partners Life
49.10
56.92
50.86
59.04
70.54
82.66
115.85
137.03
183.70
218.45
Southern Cross
41.14
50.97
70.63
105.44
257.93
Sovereign
44.92
52.14
46.95
54.57
66.16
77.61
109.48
129.59
188.72
224.14
OnePath, Partners Life 和 Sovereign保险公司对年轻吸烟者和年长吸烟者的保费定价也有所不同，比如说一个25岁的吸烟者比同龄的非吸烟者多支付16%—17%的医疗保险保费，而一位65岁的吸烟者要比同龄的非吸烟者多支付19%的保费。但是NIB保险公司不考虑吸烟者的年龄，所有的吸烟者都要比非吸烟者多付20%的医疗保险保费。另一方面AIA和Southern Cross保险公司，对吸烟者和非吸烟者的医疗保险保费是相同的。虽然AIA对吸烟和非吸烟者的保费是相同，但 AIA对于非吸烟者的保费要比其他公司稍高，是因为AIA的医疗保费是5年一变，而且65岁之后保费就不会随年龄继续上涨了。Southern Cross跟AIA有所不同的是，年龄在25岁—55岁的保费大致跟其他公司相同甚至稍微低一些，但是保费是每年一变，而且65岁以上的保费要远远高于其他公司。
保险公司希望客户有更健康的生活，减少客户生病的可能性也就同样减少了索赔的数量。Southern Cross推崇保持健康的生活方式，不抽烟，每天至少要吃五份水果和蔬菜，每天做30分钟的体育锻炼，女性每天喝酒不超到两杯，男性则不超过三杯。
NIB首席执行官Hennin说：“我们也鼓励我们的客户通过改善他们的生活方式进行戒烟计划，减肥计划和加入健身房会员从而获得我们在一些医疗保险产品上的奖励”。OnePath的发言人也表示，如果投保的客人可以戒烟一年或一年以上，他们的保费将可以被降低到非吸烟者的水平。
所以吸不吸烟将直接影响到你保费的多少，养成健康的生活方式和习惯会为你降低保费的金额，而且越早戒烟就会节省越多的钱。