Scott Merryfield
Senior HTF Member
You are probably right. As a lifelong non-smoker, it's never been an issue for me, so it was just a curiosity.I would think smokers who lie (and are at significant risk from the habit) would be discovered easily enough once they need very substantial care (whether due to that habit or something else). And the insurance company can probably just deny whatever coverage based on the fraudulent assertion/agreement.
A (habitual) smoker is probably better off being honest than not or risk having his/her coverage rejected/denied when he/she needs it most...
_Man_