How much more do smokers pay for PMI?

Typically 30–50% more than non-smokers of the same age. The exact loading varies by insurer.

Does vaping count as smoking?

It depends on the insurer. Some include vaping in their smoker definition; others don't. Always check and disclose honestly.

Can I get non-smoker rates after quitting?

Yes, usually after 12 months smoke-free. Some insurers require evidence (CO test, GP letter).

UK health insurance for smokers: expect 30–50% premium loading. Compare Aviva, Bupa, Vitality for smoker PMI. PremierPMI specialists since 1983.

Health Insurance for Smokers UK

UK health insurance for smokers typically carries a 30–50% premium loading compared to non-smokers. Smoking is usually defined as any tobacco or nicotine use in the past 12 months, including vaping with some insurers. All major UK PMI providers cover smokers; some offer discounts if you quit.

Smoking increases healthcare costs — lung cancer, cardiovascular disease, respiratory conditions — so insurers charge more. Expect a 30–50% premium loading compared to a non-smoker of the same age.
The definition of 'smoker' varies: most insurers include cigarettes, cigars, pipes, and chewing tobacco used in the past 12 months. Some include vaping; others don't. Always disclose honestly — non-disclosure can void claims.
Vitality offers premium discounts for quitting smoking and engaging with their wellness programme. If you're planning to quit, this can offset the initial loading over time.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.

Speak to a UK PMI broker

PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 07515 703307, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.