[sitepodmatt]

I'm not sure that's a good tip, presumably if you get lung cancer they can still detect if you are or have been a casual smoker for a non-trivial amount of time. In addition, you might put 'No' on signup and be accepted, but a lot of due diligence (uncovering your real history) is done at the time of claim i.e. they contact any past doctors and all surrounding hospitals for medical reports related to your past. Admittedly there is a lot more leeway for insurance companies in Asia to pursue their denials any way they see fit since we don't have a first world grasp of privacy or anything remotely like GDPR.

[Retric]

Second hand smoke and casual smoking (one per week) are indistinguishable.

[sitepodmatt]

Today, maybe. Btw, a side line to the point as do qualify your defintion, other peoples'' definition of casual and very casual vary a lot, I know people that if a pack lasts more than one day they consider that casual.

[Retric]

I have seen a few definitions of casual smoking, I meant (one cigarette per week). I have seen not smoking every day, averaging less than one cigarette per day used.

"Pack year" is often used as a risk assessment: https://en.wikipedia.org/wiki/Pack-year 1 pack year in a lifetime is not safe, but it is a vastly lower risk profile than a pack+ per day smoker.

[tinkerteller]

Hope that's obvious. If you are going in for something related to smoking always talk to your doctor. I'm talking about simple stuff where they give you large forms on what you have. They form end up at insurance companies and your rates would reflect that.