Is smoking listed as a Pre-existing Illness in Health Insurance
After declaring over email that I smoke and drink, to the ICICI Lombard person, my "Policy Form" came with a "NO" for smoking and drinking. Post days of fighting, I have now received a mail from ICICI Lombard saying they've processes a change request.
The change is that they've added smoking as a "Pre-existing Illness / Injury".
The ICICI Lombard person says this is the only way smoking can be declared with ICICI Lombard i.e. original Policy form will say NO to smoking and drinking and then you request a change in PED as he has done.
Was wondering if this is actually how its done or will I have a problem making a claim for a smoking related illness in the future?