Excessive smoking and alcohol use can ripple through India’s health insurance—changing how insurers judge risk, set premiums, and assess claim eligibility. Beyond lifestyle impact, insurers may factor these habits into underwriting decisions, waiting periods, or higher costs. The result: healthier behavior can mean better pricing, while persistent use can lead to tougher claim outcomes and scrutiny.
SBI General Insurance notched its first-ever milestone in FY26, with gross direct premium crossing Rs 15,000 crore and growing 14.5%. Profit after tax rose 8.7% to Rs 553 crore, backed by expansion across health, motor, personal accident, and fire insurance, alongside improving underwriting metrics.
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