What happens to my health insurance if I start smoking after purchasing a policy as a non-smoker?

If you purchase a health insurance policy as a non-smoker, and then start smoking after purchasing the policy, your health insurance policy may be affected in several ways. Firstly, if your policy has a non-smoker premium discount, it will likely be revoked, and your premium will increase to reflect the increased risk associated with smoking. This is because smokers are more likely to suffer from health problems such as lung cancer, heart disease, and respiratory problems, which can result in increased healthcare costs for the insurance company. Secondly, if you develop any smoking-related health problems, they may not be covered by your policy. This is because most health insurance policies have exclusions for pre-existing conditions, which can include conditions related to smoking. This means that if you develop a health problem related to smoking, such as lung cancer, your health insurance policy may not cover the cost of treatment. Thirdly, some health insurance policies may require you to disclose any changes in your health status, including the fact that you have started smoking. Failure to disclose this information could result in your policy being cancelled or voided, and you may not be able to make a claim. It is important to note that each health insurance policy is different, and the exact impact of smoking on your policy will depend on the specific terms and conditions of your policy. If you are unsure about how smoking will affect your health insurance, it is recommended that you contact your insurance provider to discuss your options.