I’ve had some experience with different health insurance providers, and I must say Acko has really stood out for me, especially when it comes to offering health insurance tailored to individual needs. I’ve been with Acko for a while, and I like how transparent and easy their process is, particularly for people with specific lifestyle choices.

As someone who falls into a similar age bracket, I can understand your concern. Given your history of smoking and alcohol consumption, it’s essential to look for policies that provide comprehensive coverage for lifestyle-related illnesses. You might want to ensure that the policy includes:

• Coverage for critical illnesses like heart disease, cancer, or liver-related issues that could stem from long-term smoking or drinking.
• Pre-existing condition coverage after a waiting period (usually around 2-4 years depending on the policy).
• Annual health check-ups and wellness programs that focus on preventive care, can be very helpful for vegetarians and non-vegetarians alike.
• Mental health coverage, since long-term lifestyle habits like smoking and drinking can affect both physical and mental well-being.
• Cashless hospitalization and a wide network of hospitals are always a plus. I’ve found that Acko has a strong network here.

While exploring my options, I found Acko’s flexibility to customize the policy a great feature. Plus, their premium is often lower than some big players, but the coverage is extensive. It’s been a reassuring experience for me.

If you’re a vegetarian, some insurers might offer wellness benefits or diet consultations as part of their policy. Make sure you opt for a plan that encourages a healthy lifestyle, with benefits that support long-term wellness.

Always compare a few options, but Acko could be a great fit based on my experience!