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Smoker and alcoholic in term insurance?

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07 Jan, 2023 by  SM9

I don't smoke cigarettes but i do smoke hookah occasionally like once in 3 months. Should I declare myself as a smoker or not.?


I drink beer and whiskey occasionally as well so should I declare alcoholic or not?

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1 Answer

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22 Jan, 2023
CEO, Insurance Samadhan

Dear SM 9

My comments

1. Smoker premium rates are approx 20 % higher than non smoker .

2. Apply under non smoker category but declare that ypu take hookah once in three months . Declare whether ypu take tobacco in hookah .


3. There is no rate difference in case of alcoholic, Declare ypur habit of occasional beer and alcohol.


Hope this clarifies


Shailesh

Insurance Samadhan

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