Answer:

As an individual health insurance client you will be asked your smoking status. If you are an ex-smoker, you will need to confirm how many years since you smoked or used nicotine products. Many health insurance companies will adjust your premium to reflect your smoking status and a smoker would expect to pay a slightly higher premium.

If you are buying a company health insurance policy, you are not asked to declare the smoking status of your employees. On this basis, there is no difference in premium for smokers and non-smokers who are insured on a company policy.