in your bloodstream long enough and show up in the blood tests even if you hoodwink the insurer and are charged a lower premium meant for nonsmokers you are taking a big risk if death occurs due to an illness caused by smoking the claim filed by your nominee will be rejectedcuriously though there is irrefutable evidence that smoking leads to health problems smokers are not charged a higher premium for health insurance but some companies such as cigna ttk health insurance offer discounts if a policyholder joins a wellness programme or resolves to curb smokingthe biggest price that a smoker pays is the health of his family studies show that children who live with a smoker or are exposed to tobacco smoke inside the home are more likely to fall ill smokers also have shorter lives one estimate says that every cigarette shortens a smokers life by about 12 minutes five cigarettes reduce your life by an hour smoke for 24 years and you celebrate one birthday less poor health also curtails the quality of life preventing smokers from undertaking physical activitiesmost smokers have tried to kick the habit at least once there is a range of products to help smokers quit nicotinebased chewing gum releases nicotine into the bloodstream effectively stemming the urge to smoke it can cost rs 50 and can go up to rs 3000 nicotine patches which can be placed on the skin to release nicotine into the bloodstream costs around 600 a packone can also opt for ayurvedic formulas that cleanse the body of toxins and improve blood circulation or take bupropion hydrochloride tablets which affect neurotransmitters in the brain and curb the urge to smoke another alternative is ecigarettes which cost anywhere between rs 500 and rs 800read this story in marathi