Are you a smoker?
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I say no, when I told my doctor about me vaping he said that was great and he changed my chart to read former smoker. insurance well that can be a trickier subject they will use any excuse they can to raise premiums or deny your benefits. But for now being listed as a former smoker in my medical charts is a huge win.
It's a difficult question.
In the UK, if you filled in "non-smoker" and they wanted to find a reason to not pay out for something insurance related, they would. They'd say you had nicotine in your system.
I am registered as a smoker on my life insurance. Until they categorize Vaping, who knows what to do.
In the UK, if you filled in "non-smoker" and they wanted to find a reason to not pay out for something insurance related, they would. They'd say you had nicotine in your system.
I am registered as a smoker on my life insurance. Until they categorize Vaping, who knows what to do.
depends on how they ask.
read their policy.
if they ask if you smoke:no
if they ask if you use nicotine:yes or no if you are using 0 nicotine.
some policies have varying levels of usage.
regrads
mike
read their policy.
if they ask if you smoke:no
if they ask if you use nicotine:yes or no if you are using 0 nicotine.
some policies have varying levels of usage.
regrads
mike
Yep, what Mike said above.
If they're asking if you're a smoker, you can say no. If you still use nicotine, and they ask if you use nicotine, then you would say yes. If you vape 0mg, you can say no to both questions. The risk in lying to your insurance company (ie: saying no when they ask if you use nicotine, even if you do) is that -- if they find out you use nicotine -- they can refuse your insurance. Potentially, screwing your children/family out of money if they're trying to redeem a claim.
If they're asking if you're a smoker, you can say no. If you still use nicotine, and they ask if you use nicotine, then you would say yes. If you vape 0mg, you can say no to both questions. The risk in lying to your insurance company (ie: saying no when they ask if you use nicotine, even if you do) is that -- if they find out you use nicotine -- they can refuse your insurance. Potentially, screwing your children/family out of money if they're trying to redeem a claim.
Thanks for the responses!
My doctor's forms were easy because it specifically asked if I use any tobacco products. It did make me wonder how I would/should answer it otherwise though. You guys are right about insurance companies though.. They'll find any way to get out of paying. I think they're just going to have to start specifically adding the vaping question because just nicotine usage isn't a fair appraisal either. My partner is a nicotine gum addict and my ex is always wearing those nicotine patches, but neither of them are inhaling anything.
My doctor's forms were easy because it specifically asked if I use any tobacco products. It did make me wonder how I would/should answer it otherwise though. You guys are right about insurance companies though.. They'll find any way to get out of paying. I think they're just going to have to start specifically adding the vaping question because just nicotine usage isn't a fair appraisal either. My partner is a nicotine gum addict and my ex is always wearing those nicotine patches, but neither of them are inhaling anything.
On the other hand,when i filled out the form for my pension annuity,i said that i was a smoker (50 years),true,and i get £40 a week more pension.I have now swapped to vaping ,(two weeks so far).Will keep an old ashtray about in case they come round to check...
I've been spending a lot of time lately with medical testing which is a pain in the -. My doc agrees that if nothing is burning there's no smoke, and if no smoke, I'm not a smoker. I will say they are amazed at how good my lungs look on all the scans, especially when you consider I smoked for more than 40 years.
Smoker - No
Vaper - Yes
Just this week is signed up for health insurance and answered just that way. The agent said "then I'll check No".
not sure how my Dr has me listed, but he's been told that I'm vaping now.
Vaper - Yes
Just this week is signed up for health insurance and answered just that way. The agent said "then I'll check No".
not sure how my Dr has me listed, but he's been told that I'm vaping now.
My insurance asks about tobacco use, so I'm gonna say no when it comes time for renewal.
I say NO, but my insurance asks tobacco use. Told my doctor he was happy, so he marks former smoker too.
I haven't talked to my insurance company yet or my provincial health coverage guys... but my dentist just changed my chart to read former smoker a few weeks ago. So that's a good sign lol
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