Every body knows that smokers and drunks are charged higher for their insurance coverage.
There are ways by which you can keep your insurance cover cost low as a drunker and as a smoker.
If you need a cheap health cover as a smoker, you need to scout for the company with the highest discount percentage and buy your cover.
You can reduce your cover rate by several percentages if only you can locate the company with the most moderate package for the insured.
There are so many insurance companies online and all the insurance companies online are looking for customers.
So you have to take advantage of the simple fact that you are a potential customer to get the rate the best suit you.
There are some people despite the fact that they smoke and drink, they rarely fall ill.
Such people pay their premium and don't use their cover.
If you are in this category, then you have to find a means of getting the lowest cost health insurance cover.
The best way to reduce your cover rate is to choose the co-pay or the discount health insurance for your health.
Discount health plan will help you to pay the rate you like, discount health plan with help you to decide and dictate your premium rate.
Note: this policy plan is not very good for people that always fall ill.
I have always advice people to get a professional agent that will advice them on the best policy plan for their health and how to find the company that will give them the best of service and rate.
Health insurance is a necessity but you can keep the cost low.
Do not pay for what you will not need or what you will rarely need.
Keep the cost low by all means.