{"id":2088,"date":"2022-09-17T12:00:52","date_gmt":"2022-09-17T06:30:52","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2088"},"modified":"2022-11-17T09:58:36","modified_gmt":"2022-11-17T04:28:36","slug":"is-it-important-to-disclose-smoking-habits-to-the-insurance-company","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/is-it-important-to-disclose-smoking-habits-to-the-insurance-company\/","title":{"rendered":"Is it Important to Disclose Smoking Habits to the Insurance Company?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/is-it-important-to-disclose-smoking-habits-to-the-insurance-company\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Ramesh was a regular smoker. He concealed his smoking habit from his insurance company and bought a health insurance policy with a lower premium. He was happy that he was able to buy an insurance policy with a lower premium and higher benefits. Later he was diagnosed with tuberculosis. He took treatment and informed his insurance company about the same. <\/span><span style=\"font-weight: 400;\">The company investigated his case and rejected his claim. The company denied the claim as they found out about his smoking habits. In the claim rejection letter, they stated that the claim was rejected due to the non-disclosure of smoking habits. Ramesh felt dejected as his claim was rejected. He felt guilty for not revealing his smoking habits during the issuance of the policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Just to save some premium, he lost the claim money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, at the time of issuance of an insurance policy, Manoj revealed to his insurance company that he was a smoker but has given up smoking. He also mentioned that he has finished attending his smoking cessation programs. As he disclosed his past smoking habit and the fact that he has quit smoking, the company did not set a higher premium. Later, he had a stroke and was hospitalized. His family notified the insurance company about his hospitalization and asked for a claim. The company approved the claim amount after investigating his case. Manoj was able to get the claim money.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-2091 size-full\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Disclose-Smoking-Habits-to-the-Insurance-company.jpg\" alt=\"Is it Important to Disclose Smoking Habits to the Insurance Company?\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Disclose-Smoking-Habits-to-the-Insurance-company.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Disclose-Smoking-Habits-to-the-Insurance-company-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Disclose-Smoking-Habits-to-the-Insurance-company-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Disclose-Smoking-Habits-to-the-Insurance-company-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Disclose-Smoking-Habits-to-the-Insurance-company-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Disclose-Smoking-Habits-to-the-Insurance-company-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p><b>Why Should a Customer Disclose His Smoking Habits?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The insurance contract works on the principle of utmost good faith. It is the responsibility of the insurer and insured to disclose all the material facts at the time of the purchase.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Concealing a fact can lead to a claim rejection. It can also be considered fraud in insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you smoke, inform your insurance company. Tell them honestly, how often you smoke. Hiding it, will not help you, as medical tests (blood and urine test) at the time of claim can detect it very easily.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Thus, it is important to honestly disclose your smoking habits in the proposal form. If you have given up smoking, then also reveal it. As a higher premium is better than large medical bills.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">It is better to disclose your smoking habit in the beginning than to regret it later. Also please check that your disclosure has been notified in the policy document.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if you have revealed your smoking habit at the time of purchasing the policy and at the time of claim, it gets <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/how-to-deal-with-health-insurance-claim-rejection\/\">rejected<\/a> on the grounds of non-disclosure of smoking habits, then contact your insurance company and reapply for the claim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you need help in resolving your genuine case, then you can approach Insurance Samadhan. <\/span><span style=\"font-weight: 400;\">We have helped 14,500+ people in resolving complaints related to insurance. Contact us to get samadhan for your insurance-related issues. We are always available to help you out.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/cashless-claims-in-health-insurance\/\">Cashless claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life insurance policy<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/how-to-deal-with-health-insurance-claim-rejection\/\">Health Claim Rejection<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\">Click here<\/a>\u00a0to register your case with us<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/is-it-important-to-disclose-smoking-habits-to-the-insurance-company\/\"\n  },\n  \"headline\": \"Is it Important to Disclose Smoking Habits to the Insurance Company?\",\n  \"description\": \"If you smoke, inform your insurance company. Tell them honestly, how often you smoke. 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He concealed his smoking habit from his insurance company and bought a health insurance policy with a lower premium. He was happy that he was able to buy an insurance policy with a lower premium&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/is-it-important-to-disclose-smoking-habits-to-the-insurance-company\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2092,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[20],"tags":[48,177,178,179],"class_list":["post-2088","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-claim","tag-claim-rejected","tag-clain-rejection","tag-non-disclosure-of-smoking-habit","tag-smoking-habit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Importance of Disclosure of Smoking Habits to Insurance Company<\/title>\n<meta name=\"description\" content=\"It is important to honestly disclose your smoking habits in the proposal form. 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