Are you a Smoker Health Insurance

Are you a Smoker?
Since smokers face higher premiums for their health insurance, there are a few things they can do to change this.
1) Quit Smoking - if you quit smoking for at least 2 years during the policy period, health insurers may consider this and lower your premiums accordingly.
2) Joining a Smoking Cessation Program - if you are unable to quit on your own, many health insurance companies offer, or have tie-ups with smoking cessation programs that can help you do so. Again, you must show at least 2 years without smoking before your premium changes.
3) Look at Different Insurance Companies - since there is a large population of smokers in India, there are a few health insurance companies that offer policies to them with comparatively lower premium amounts. You can research and look for such companies.

[@marktower4055]

After quitting smoking, is there any waiting period before premium are lowere.

[@transforming.360]

Which Health Insurance company my Dear is charging loading for the smokers catagory??
I think you misunderstood with Term