Smokers pay significantly higher premiums — typically 30–50% more than a non-smoker of the same age and health profile. This reflects the elevated mortality risk that actuaries assign to tobacco users.
What counts as a "smoker"?
Insurers define a smoker as anyone who has used tobacco products (cigarettes, bidis, cigars, hookah, chewing tobacco) in the last 12 months. Some insurers extend this to 3 years. You must disclose your smoking status truthfully on the application form.
Never lie about smoking status
If you declare non-smoker status to save on premium and the insurer discovers evidence of smoking during a claim (medical records, nicotine tests), the claim can be rejected entirely under the misrepresentation clause.
How much extra will you pay?
For a 35-year-old buying ₹1 crore cover for 30 years: non-smoker pays approx ₹12,000–15,000/yr. Smoker equivalent: ₹18,000–22,000/yr. Still affordable — and still far cheaper than endowment plans.
Can you get a premium revision after quitting?
Yes. If you have been tobacco-free for 12 months (verified via cotinine urine test), some insurers allow a premium review. Contact your insurer's underwriting team for the specific process.
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