Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 73,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'catslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 73,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [[maximum depth reached]]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'catslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 74,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'artileslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 74,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [[maximum depth reached]]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'artileslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

            } else {
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f7e27096193-trace').style.display = (document.getElementById('cakeErr67f7e27096193-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f7e27096193-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f7e27096193-code').style.display = (document.getElementById('cakeErr67f7e27096193-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f7e27096193-context').style.display = (document.getElementById('cakeErr67f7e27096193-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f7e27096193-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f7e27096193-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 21211,
		&#039;title&#039; =&gt; &#039;58% smokers in the country without health insurance -Preeti Kulkarni&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Economic Times
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. 
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Economic Times, 30 May, 2013, http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/58-smokers-in-the-country-without-health-insurance/articleshow/20353086.cms&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 21356,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 21211,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Insurance,tobacco,Health&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. &lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 21211,
	&#039;title&#039; =&gt; &#039;58% smokers in the country without health insurance -Preeti Kulkarni&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Economic Times
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. 
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Economic Times, 30 May, 2013, http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/58-smokers-in-the-country-without-health-insurance/articleshow/20353086.cms&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 21356,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 21211
$metaTitle = &#039;LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni&#039;
$metaKeywords = &#039;Insurance,tobacco,Health&#039;
$metaDesc = &#039;
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. &lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni | Im4change.org</title>
    <meta name="description" content="
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>58% smokers in the country without health insurance -Preeti Kulkarni</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Economic Times</div><p align="justify"><br /><em>MUMBAI: </em>Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.</p><p align="justify">Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.</p><p align="justify">Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country's financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai's respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &quot;&quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&quot;&quot; the study added.</p><p align="justify">However, the numbers point to the contrary, belying their confidence. ICICI Lombard's internal analysis of its last two years' claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &quot;&quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&quot;&quot; the study said.</p><p align="justify">Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&quot;&quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&quot;&quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. </p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$maxBufferLength = (int) 8192
$file = '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php'
$line = (int) 853
$message = 'Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853'
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 48
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 148]
Code Context
            $response->getStatusCode(),

            ($reasonPhrase ? ' ' . $reasonPhrase : '')

        ));
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f7e27096193-trace').style.display = (document.getElementById('cakeErr67f7e27096193-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f7e27096193-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f7e27096193-code').style.display = (document.getElementById('cakeErr67f7e27096193-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f7e27096193-context').style.display = (document.getElementById('cakeErr67f7e27096193-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f7e27096193-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f7e27096193-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 21211,
		&#039;title&#039; =&gt; &#039;58% smokers in the country without health insurance -Preeti Kulkarni&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Economic Times
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. 
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Economic Times, 30 May, 2013, http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/58-smokers-in-the-country-without-health-insurance/articleshow/20353086.cms&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 21356,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 21211,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Insurance,tobacco,Health&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. &lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 21211,
	&#039;title&#039; =&gt; &#039;58% smokers in the country without health insurance -Preeti Kulkarni&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Economic Times
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. 
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Economic Times, 30 May, 2013, http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/58-smokers-in-the-country-without-health-insurance/articleshow/20353086.cms&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 21356,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 21211
$metaTitle = &#039;LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni&#039;
$metaKeywords = &#039;Insurance,tobacco,Health&#039;
$metaDesc = &#039;
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. &lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni | Im4change.org</title>
    <meta name="description" content="
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>58% smokers in the country without health insurance -Preeti Kulkarni</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Economic Times</div><p align="justify"><br /><em>MUMBAI: </em>Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.</p><p align="justify">Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.</p><p align="justify">Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country's financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai's respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &quot;&quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&quot;&quot; the study added.</p><p align="justify">However, the numbers point to the contrary, belying their confidence. ICICI Lombard's internal analysis of its last two years' claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &quot;&quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&quot;&quot; the study said.</p><p align="justify">Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&quot;&quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&quot;&quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. </p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$reasonPhrase = 'OK'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitStatusLine() - CORE/src/Http/ResponseEmitter.php, line 148
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 54
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 181]
Code Context
                    $value

                ), $first);

                $first = false;
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f7e27096193-trace').style.display = (document.getElementById('cakeErr67f7e27096193-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f7e27096193-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f7e27096193-code').style.display = (document.getElementById('cakeErr67f7e27096193-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f7e27096193-context').style.display = (document.getElementById('cakeErr67f7e27096193-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f7e27096193-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67f7e27096193-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 21211,
		&#039;title&#039; =&gt; &#039;58% smokers in the country without health insurance -Preeti Kulkarni&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Economic Times
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. 
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Economic Times, 30 May, 2013, http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/58-smokers-in-the-country-without-health-insurance/articleshow/20353086.cms&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 21356,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 21211,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Insurance,tobacco,Health&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. &lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 21211,
	&#039;title&#039; =&gt; &#039;58% smokers in the country without health insurance -Preeti Kulkarni&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Economic Times
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. 
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Economic Times, 30 May, 2013, http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/58-smokers-in-the-country-without-health-insurance/articleshow/20353086.cms&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 21356,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 21211
$metaTitle = &#039;LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni&#039;
$metaKeywords = &#039;Insurance,tobacco,Health&#039;
$metaDesc = &#039;
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;MUMBAI: &lt;/em&gt;Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country&#039;s financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai&#039;s respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &amp;quot;&amp;quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&amp;quot;&amp;quot; the study added.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;However, the numbers point to the contrary, belying their confidence. ICICI Lombard&#039;s internal analysis of its last two years&#039; claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &amp;quot;&amp;quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&amp;quot;&amp;quot; the study said.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&amp;quot;&amp;quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&amp;quot;&amp;quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. &lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni | Im4change.org</title>
    <meta name="description" content="
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>58% smokers in the country without health insurance -Preeti Kulkarni</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Economic Times</div><p align="justify"><br /><em>MUMBAI: </em>Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.</p><p align="justify">Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.</p><p align="justify">Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country's financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai's respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &quot;&quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&quot;&quot; the study added.</p><p align="justify">However, the numbers point to the contrary, belying their confidence. ICICI Lombard's internal analysis of its last two years' claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &quot;&quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&quot;&quot; the study said.</p><p align="justify">Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&quot;&quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&quot;&quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. </p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$cookies = []
$values = [
	(int) 0 => 'text/html; charset=UTF-8'
]
$name = 'Content-Type'
$first = true
$value = 'text/html; charset=UTF-8'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitHeaders() - CORE/src/Http/ResponseEmitter.php, line 181
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 55
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

<head>

    <link rel="canonical" href="<?php echo Configure::read('SITE_URL'); ?><?php echo $urlPrefix;?><?php echo $article_current->category->slug; ?>/<?php echo $article_current->seo_url; ?>.html"/>

    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>

$viewFile = '/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp'
$dataForView = [
	'article_current' => object(App\Model\Entity\Article) {

		'id' => (int) 21211,
		'title' => '58% smokers in the country without health insurance -Preeti Kulkarni',
		'subheading' => '',
		'description' => '<div align="justify">
-The Economic Times
</div>
<p align="justify">
<br />
<em>MUMBAI: </em>Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.
</p>
<p align="justify">
Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.
</p>
<p align="justify">
Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country's financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai's respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &quot;&quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&quot;&quot; the study added.
</p>
<p align="justify">
However, the numbers point to the contrary, belying their confidence. ICICI Lombard's internal analysis of its last two years' claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &quot;&quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&quot;&quot; the study said.
</p>
<p align="justify">
Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&quot;&quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&quot;&quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. 
</p>',
		'credit_writer' => 'The Economic Times, 30 May, 2013, http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/58-smokers-in-the-country-without-health-insurance/articleshow/20353086.cms',
		'article_img' => '',
		'article_img_thumb' => '',
		'status' => (int) 1,
		'show_on_home' => (int) 1,
		'lang' => 'EN',
		'category_id' => (int) 16,
		'tag_keyword' => '',
		'seo_url' => '58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356',
		'meta_title' => null,
		'meta_keywords' => null,
		'meta_description' => null,
		'noindex' => (int) 0,
		'publish_date' => object(Cake\I18n\FrozenDate) {},
		'most_visit_section_id' => null,
		'article_big_img' => null,
		'liveid' => (int) 21356,
		'created' => object(Cake\I18n\FrozenTime) {},
		'modified' => object(Cake\I18n\FrozenTime) {},
		'edate' => '',
		'tags' => [
			[maximum depth reached]
		],
		'category' => object(App\Model\Entity\Category) {},
		'[new]' => false,
		'[accessible]' => [
			[maximum depth reached]
		],
		'[dirty]' => [[maximum depth reached]],
		'[original]' => [[maximum depth reached]],
		'[virtual]' => [[maximum depth reached]],
		'[hasErrors]' => false,
		'[errors]' => [[maximum depth reached]],
		'[invalid]' => [[maximum depth reached]],
		'[repository]' => 'Articles'
	
	},
	'articleid' => (int) 21211,
	'metaTitle' => 'LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni',
	'metaKeywords' => 'Insurance,tobacco,Health',
	'metaDesc' => '
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up...',
	'disp' => '<div align="justify">-The Economic Times</div><p align="justify"><br /><em>MUMBAI: </em>Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.</p><p align="justify">Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.</p><p align="justify">Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country's financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai's respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &quot;&quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&quot;&quot; the study added.</p><p align="justify">However, the numbers point to the contrary, belying their confidence. ICICI Lombard's internal analysis of its last two years' claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &quot;&quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&quot;&quot; the study said.</p><p align="justify">Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&quot;&quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&quot;&quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. </p>',
	'lang' => 'English',
	'SITE_URL' => 'https://im4change.in/',
	'site_title' => 'im4change',
	'adminprix' => 'admin'
]
$article_current = object(App\Model\Entity\Article) {

	'id' => (int) 21211,
	'title' => '58% smokers in the country without health insurance -Preeti Kulkarni',
	'subheading' => '',
	'description' => '<div align="justify">
-The Economic Times
</div>
<p align="justify">
<br />
<em>MUMBAI: </em>Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.
</p>
<p align="justify">
Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.
</p>
<p align="justify">
Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country's financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai's respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &quot;&quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&quot;&quot; the study added.
</p>
<p align="justify">
However, the numbers point to the contrary, belying their confidence. ICICI Lombard's internal analysis of its last two years' claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &quot;&quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&quot;&quot; the study said.
</p>
<p align="justify">
Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&quot;&quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&quot;&quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. 
</p>',
	'credit_writer' => 'The Economic Times, 30 May, 2013, http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/58-smokers-in-the-country-without-health-insurance/articleshow/20353086.cms',
	'article_img' => '',
	'article_img_thumb' => '',
	'status' => (int) 1,
	'show_on_home' => (int) 1,
	'lang' => 'EN',
	'category_id' => (int) 16,
	'tag_keyword' => '',
	'seo_url' => '58-smokers-in-the-country-without-health-insurance-preeti-kulkarni-21356',
	'meta_title' => null,
	'meta_keywords' => null,
	'meta_description' => null,
	'noindex' => (int) 0,
	'publish_date' => object(Cake\I18n\FrozenDate) {},
	'most_visit_section_id' => null,
	'article_big_img' => null,
	'liveid' => (int) 21356,
	'created' => object(Cake\I18n\FrozenTime) {},
	'modified' => object(Cake\I18n\FrozenTime) {},
	'edate' => '',
	'tags' => [
		(int) 0 => object(Cake\ORM\Entity) {},
		(int) 1 => object(Cake\ORM\Entity) {},
		(int) 2 => object(Cake\ORM\Entity) {}
	],
	'category' => object(App\Model\Entity\Category) {},
	'[new]' => false,
	'[accessible]' => [
		'*' => true,
		'id' => false
	],
	'[dirty]' => [],
	'[original]' => [],
	'[virtual]' => [],
	'[hasErrors]' => false,
	'[errors]' => [],
	'[invalid]' => [],
	'[repository]' => 'Articles'

}
$articleid = (int) 21211
$metaTitle = 'LATEST NEWS UPDATES | 58% smokers in the country without health insurance -Preeti Kulkarni'
$metaKeywords = 'Insurance,tobacco,Health'
$metaDesc = '
-The Economic Times



MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.


Further, a city-wise break-up...'
$disp = '<div align="justify">-The Economic Times</div><p align="justify"><br /><em>MUMBAI: </em>Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found.</p><p align="justify">Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose.</p><p align="justify">Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country's financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai's respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. &quot;&quot;Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,&quot;&quot; the study added.</p><p align="justify">However, the numbers point to the contrary, belying their confidence. ICICI Lombard's internal analysis of its last two years' claims showed that 5% of the total cancer claims were directly related to tobacco consumption. &quot;&quot;Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,&quot;&quot; the study said.</p><p align="justify">Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies.&quot;&quot; However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,&quot;&quot; said Shankar Nath, head, marketing and direct, ICICI Lombard. </p>'
$lang = 'English'
$SITE_URL = 'https://im4change.in/'
$site_title = 'im4change'
$adminprix = 'admin'

include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51

58% smokers in the country without health insurance -Preeti Kulkarni

-The Economic Times MUMBAI: Despite being exposed to perils of heavy smoking, a majority of smokers (58%) in India do not have any form of health insurance, a survey conducted by private non-life insurer ICICI Lombard has found. Further, a city-wise break-up shows that the percentage of smokers with a health cover is significantly lower in Delhi (34%) and Bangalore (28%). This, despite 85% of the respondent smokers across the country admitting to smoking more than once daily. Mumbai (59%) and Kolkata (45%) fare much better in this regard. According to the survey findings, health insurance is primarily purchased by self in Delhi (68%) and Mumbai (50%), whereas most Bangalorean respondents (52%) seemed to rely on their parents or family for the purpose. Conducted ahead of the No Tobacco Day on May 31, the ICICI Lombard-Gfk Mode survey polled 914 habitual smokers - that is, those who smoke at least once a day - across these four cities. The country's financial capital earned the dubious distinction of topping the average consumption list, with 32% of Mumbai's respondents saying that they smoked 7-10 cigarettes in a day, on an average. Kolkata was the next on the list, with 29% of those polled admitting to smoking 4-6 cigarettes a day. Influence of friends or peers (87%) and work pressure (31%) emerged as the chief factors that prompted respondents to take up smoking. ""Shockingly, a large portion of smokers (77%) feel that smoking or limited smoking will not have any adverse impact on their health,"" the study added. However, the numbers point to the contrary, belying their confidence. ICICI Lombard's internal analysis of its last two years' claims showed that 5% of the total cancer claims were directly related to tobacco consumption. ""Out of these,75% claims were made by male customers and 25% by female customers. The most affected age-group for tobacco-related claims was 46-55 years, with 31% male and 41% female customers contributing to this age bracket,"" the study said. Moreover, 65% of the respondents were not aware of the concessional premiums for non-smokers. At the moment, only life insurers offer discounts to non-smokers in their term insurance policies."" However, going forward, health insurers too could take this parameter into account and start incentivising the non-smokers. Even today, it is factored into our underwriting process. For instance, a smoker over the age of 45 may be asked to go through more rigorous health check-ups compared to a non-smoker,"" said Shankar Nath, head, marketing and direct, ICICI Lombard.