Answer :
Answer:
Tobacco use causes significant health issues.
Explanation:
When insurance coverage commences, the insurance company assumes all the risks associated with the insurance policy issued. For medical insurance, the insurance company will cater to the insured medical bills should the need arise. For this reason, insurance firms evaluate different risk parameters when deciding on the premiums to charge for insurance coverage.
Tobacco is known to cause health issues in smokers. Tobacco smokers are more likely to develop health complications at some point in their life. They present a higher risk for insurance companies. Insurance companies will charge them higher premiums to cover the increased risk caused by smoking tobacco.