SMOKING COST FULL LIFE INVESTMENT....
31 मई को दुनिया भर में नो टबैको डे मनाने की तैयारी चल रही है। तंबाकू सेवन से न सिर्फ सेहत बिगड़ती है बल्कि इससे जेब भी ढीली होती है। ईटी वेल्थ के एक अनुमान के मुताबिक, 30 साल का एक व्यक्ति अगर दिन में 5 सिगरेट पीता है तो 60 साल की उम्र तक वह करीब 1 करोड़ रुपये खर्च कर देता है। आइये जानते हैं, कैसे 1 करोड़ रुपये धुएं में उड़ जाते हैं।
सिगरेट खरीदने पर खर्च
इलाज पर खर्च
सिगरेट पीने का असर स्वास्थ्य पर पड़ता है। ज्यादा सिगरेट पीने वाले को अकसर सांस से जुड़ी बीमारी हो जाती है। इसके अलावा कैंसर और हार्ट अटैक का खतरा भी बढ़ जाता है। इलाज के ऊपर हर महीने कम से कम 400 रुपये खर्च हो जाते हैं यानी 30 साल में करीब 11.59 लाख रुपये। इस पैसे को निवेश करने पर 30 साल में ब्याज समेत 26.70 लाख रुपये मिलेंगे।
महंगा इंश्योरेंस
बीमा करने वाली कंपनियां जानती हैं कि सिगरेट पीने वाले व्यक्ति हाई रिस्क कैटिगरी में होते हैं। इसलिए कंपनियां सिगरेट पीने वाले व्यक्ति का प्रीमियम भी ज्यादा वसूलती है। 30 साल के लिए 1 करोड़ रुपये का जीवन बीमा लेने पर ऐसे व्यक्ति को हर महीने 460 रुपये ज्यादा प्रीमियम देना पड़ता है। इस तरह से 30 साल में बीमा पर 1.65 लाख रुपये ज्यादा देने पड़ेंगे जिसे निवेश करने पर 7.52 लाख रुपये मिलेगा।
परिवार का स्वास्थ्य
अगर आप सिगरेट पीते हैं तो आपके परिवार के सदस्यों पर भी इसका बुरा प्रभाव पड़ेगा। सिगरेट के प्रभाव के मामले में बच्चे ज्यादा संवेदनशील होते हैं। उनके बीमार होने का खतरा बहुत ज्यादा होता है। उनकी सेहत बिगड़ने पर खर्च और बढ़ जाता है। इस तरह से सभी चीज को जोड़कर देखा जाए तो 30 साल में करीब 1 करोड़ रुपये खर्च हो जाते हैं।
If the dreadful pictures on cigarette packs can't make you quit smoking, here's a more alarming warning.
Smoking burns a bigger hole in your finances than you can possibly imagine. ET Wealth estimates that a 30-year-old who smokes five cigarettes a day would lose over Rs 1 crore due to the habit by the time he is 60.
As the world gets ready to observe No-Tobacco Day on 31 May, we did some number crunching to find out the real cost a smoker pays. The biggest drain on the wallet is the price of cigarettes. Cigarettes are priced around Rs 10-15, but we have assumed a price of Rs 12 per stick. If a person smokes five cigarettes a day, he spends Rs 60 daily — or Rs 1,800 a month.
However, this is not a static cost.Cigarette prices have risen by an average 20% every year in the past four years, and will keep rising every year as taxes on tobacco products go up. We have assumed a more conservative rise of 8% in cigarette prices per year. Extrapolated over a period of 30 years, the smoker will spend Rs 24.47 lakh on cigarettes. Now comes the interesting part. If the money spent on cigarettes was instead invested every month to earn 9% returns a year, it would grow to Rs 69.23 lakh in 30 years.
The next big cost is the higher medical expenses that smokers incur due to poor health. You don't need a medical expert to tell you that smoking leads to health problems. In its mildest form, smoking accentuates bronchial problems. But it can also lead to cancer and enhances the risk of heart attacks. We have assumed that a smoker will spend an average of Rs 400 a month on medical expenses. Again, this cost will keep rising. Medical inflation is very high compared to consumer inflation. Prices of drugs, doctor's consultation charges and diagnostic charges are rising at nearly 15%. Assuming a 12% rise in these costs per year, a smoker will spend Rs 11.59 lakh over a 30-year period. If this money was invested to earn 9% returns, it would grow to Rs 26.70 lakh in 30 years.
Smoking also means higher life insurance costs. Insurance companies know that smokers are a high-risk category. The extent of the loading depends on the person's age, overall health and how many cigarettes he smokes in a day. We checked the HDFC Life online term plan rates and found that a 30-year old smoker would have to pay Rs 460 higher premium every month for a cover of Rs 1 crore for 30 years. Mercifully, unlike other costs, this will not rise every year. But this additional amount would add up to Rs 1.65 lakh, and if it was invested instead, would compound to Rs 7.52 lakh in 30 years.
It's impossible to hide the fact that you smoke when you buy life insurance. Even if you stop smoking for an extended period before the medical check-up, traces of nicotine remain in your bloodstream long enough and show up in the blood tests. Even if you hoodwink the insurer and are charged a lower premium meant for non-smokers, you are taking a big risk. If death occurs due to an illness caused by smoking, the claim filed by your nominee will be rejected.
Curiously, though there is irrefutable evidence that smoking leads to health problems, smokers are not charged a higher premium for health insurance. But some companies such as Cigna TTK Health Insurance offer discounts if a policyholder joins a wellness programme or resolves to curb smoking.
The biggest price that a smoker pays is the health of his family. Studies show that children who live with a smoker or are exposed to tobacco smoke inside the home are more likely to fall ill. Smokers also have shorter lives. One estimate says that every cigarette shortens a smoker's life by about 12 minutes. Five cigarettes reduce your life by an hour. Smoke for 24 years, and you celebrate one birthday less. Poor health also curtails the quality of life, preventing smokers from undertaking physical activities.
Most smokers have tried to kick the habit at least once. There is a range of products to help smokers quit. Nicotine-based chewing gum releases nicotine into the bloodstream, effectively stemming the urge to smoke. It can cost Rs 50 and can go up to Rs 3,000. Nicotine patches, which can be placed on the skin to release nicotine into the bloodstream, costs around `600 a pack.
One can also opt for Ayurvedic formulas that cleanse the body of toxins and improve blood circulation or take bupropion hydrochloride tablets, which affect neurotransmitters in the brain and curb the urge to smoke. Another alternative is e-cigarettes, which cost anywhere between Rs 500 and Rs 800.