Sanjib Jha | Answer |Ask -Follow
Insurance Expert - Answered on Jul 28, 2022
If you have started smoking after the purchase of the policy, then at the time of renewal you should declare it to the insurer. In fact, any material change in activities between renewals should be declared to the insurer; it is then up to them to either adjust your premium accordingly or accept it without a change in the premium amount.
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