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Insurers assess risk largely based on information provided by customers, making honest disclosure a crucial part of the process June 04, 2026 / 16:31 IST A common misconception among policyholders is that only serious illnesses or regular habits need to be disclosed Even rare smoking raises insurance rates and risk class Insurers require full disclosure of any tobacco or nicotine use Medical tests can detect nicotine use, making honesty crucial Did our AI summary help