More insurance companies can raise premiums for smokers

Read more Frightening pictures will discourage smoking

Several insurance companies are reluctant to smokers should pay a higher premium. Skandia, which raises the premium suggests that those who smoke are exposing themselves to greater risk and, therefore, should pay more.
As of Monday, Skandia to levy a 25 to 50 percent higher premium for thos
e in the health declaration indicated that they smoked daily. The fee increase, which was presented on Saturday in the Dagens Nyheter's debate page for those who sign up for health insurance, personal accident insurance, or life insurance. L�nsf�rs�kringar would not raise premiums for smokers.
"We do not want to take a position on smoking. In addition, it is very hard to verify if people smoke or not, says H�kan Tell, Director of the health risk assessment of l�nsf�rs�kringar.
Trygg-Hansa will monitor the impact of Skandia's premium increase.
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"We have at times asked if the policyholder is a smoker. The trials were stopped because it is difficult to get accurate answers about living habits. Another problem is those who relapse, says Bj�rn Sporrong, head of Security-Hansa. solarwinds
To take account of smoking when valuations, however, is not something new, he said.
-We take into account whether people with severe asthma or blood circulatory diseases have not stopped smoking, he continues. gcu  innovatrics  spectrum aeromed
Trygg-Hansa believes that smoking in the future will have a greater significance for risk assessment.
Among smokers and non-smokers that DN [DAGENS NYHETER] talked with on the town were opinions shared. Among non-smokers were criticisms of Skandia's largest premium increase. What is the next step? Which should then be higher premiums?
Smokers, however, had some understanding that they would pay for the risks of smoking. Marcus Andersson, who had been lured to a Bachelor Party, sprang on her cigarette while he defended the increase in premiums.
I am party smokers. But I think a premium increase is reasonable. Smoking costs society a great deal of money and it is not unreasonable that smokers themselves should pay.
His friend Jocke Eriksson is also positive:
� I like the idea. Smokers can add their own money for costs. But I can imagine that it will be difficult discussions if insurance companies to sort out if it is smoking, which led to some damage, "he says, and tells her that it was over with both snus as cigarettes, for his part, five years ago.
Skandia's premium increase means that a perfectly healthy 40-year-old woman who smoke will pay $ 1.050 in annual premiums for a life insurance. For a non-smoker is premium $ 70.
How should the company determine whether people are lying?
� This is a matter of conscience. Here, the same rules of honesty that when we today fill in health declaration, says Per Blankets, medical risk assessment officer, Skandia Liv.
� For care records shows that someone has stated incorrect facts in the health declaration, payment changes. It can be the same with smoking, he continues.