If you don't tell whether you smoke when you buy insurance, will it affect your future claims?

It depends on three points: \x0d\ 1. It doesn't matter whether you smoke more or less, such as three or four cigarettes a day. Just notify the company after adding insurance or underwriting in the future! If it is big, you should tell the insurance company in time, otherwise, if smoking disease happens unfortunately in the future, the company has reason to refuse to pay! (For example, lung disease depends on the specific regulations of various insurance companies! It is recommended to call for advice! ) \ x0d \ x0d \ Second, the number of years of smoking, if you still smoke after buying insurance, it doesn't matter! \x0d\ But if you smoked it five years ago, 10 years ago, I suggest you make a supplementary notice with the insurance company! \ x0d \ x0d \ Thirdly, if the above two answers are negative, it depends on where your policy focuses. If you are responsible for yourself with major diseases, I think you should make a supplementary notice. If you buy accident insurance without disease protection and take out insurance, it is unnecessary because there is no insurance liability. Again, in a responsible attitude, I suggest you consult your insurance company to see how they ask you and how you answer, and they will give you the best answer! Answer finished, thank you! ~