When I bought my health insurance cover three years ago, I was a non-smoker. Now I have started smoking. Do I have to disclose this to my insurance company?
– Anup Kumar
If you started smoking during the term of the policy or in your case after three years of health insurance coverage, you will have to inform the insurer and properly disclose it every time afterwards while renewing. It is a material fact which could affect the decision of the insurer and may lead to the revision of the premium. Never forget to divulge any information and disclose everything correctly to avoid dishonour of claims at a later stage.
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