Won't Save You From the Smoker Rate on Insurance
AI Summary
In India, insurance companies classify e-cigarette and vape users the same as smokers, despite the lack of long-term health data on vaping. This results in higher premiums, extra medical checks, and sometimes even rejection of insurance applications for vape users. Insurance applications now specifically ask about vaping frequency, and undisclosed nicotine use can lead to disputed or denied claims.
You switched to vaping thinking it'd save you money on insurance. Your insurer just charged you the smoker rate anyway.
No cigarette, no smoke — but insurers in India still classify e-cigarette and vape users exactly like smokers. Vaping is newer than cigarettes, so there's no long-term health data yet, and insurers price you for the worst case when data is missing. Every insurance application now specifically asks about vaping frequency — say yes, and you're bucketed with smokers: higher premiums, extra medical checks, sometimes rejected from the best rate entirely.
Hide it, and it's worse — undisclosed nicotine use found during a claim investigation can get that claim disputed or denied.
Yashank Rathi is a B.Com (Hons) student at Hansraj College, Delhi University, with a strong passion for finance, markets, business trends, and the startup ecosystem. With growing hands on experience in research, content creation, and SEO driven digital marketing, he brings a fresh and analytical perspective to business journalism. He is the Co-Founder of mangopeoplenews.com, where he works to make complex financial and business topics simple, engaging, and relevant to everyday readers.
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