Insurance companies use risk when calculating premiums. If you’re classed as a high risk to them either through existing health issues, age or lifestyle choices then they will charge more for their cover. When it comes to smoking the effects on an individual’s health are well-known and varied. According to the Health and Social Care Centre report (2016) there were 78,000 deaths attributed to smoking in 2014. In the period 2014/15 the NHS had 4,700 smoking-related admissions per day. This accounts for approximately 28% of all admissions. Effects of smoking You inhale a cocktail of 40 carcinogenic chemicals each time [...]
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