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.

Health Insurance for Smokers: what the cover actually does

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.

Key numbers our brokers work from

• UK adult smokers: ~6.4m (12.9%) (ONS 2024)
• Smoker PMI premium loading: 30–50% (PremierPMI desk research)
• Smoking-related NHS costs (annual): ~£2.5bn (PHE 2024)
• Lung cancer survival rate (1-year): 44% (CRUK 2024)

Indicative monthly cost by scenario

Illustrative only — final premiums depend on age, postcode, excess, hospital list, underwriting and insurer terms at the time of quote.

Which insurers tend to fit best

Before you buy — broker checklist

• Disclose all tobacco and nicotine use honestly — non-disclosure voids claims.
• Ask about the insurer's definition of 'smoker' — does it include vaping?
• Check if premium reduces after you quit (usually 12 months smoke-free).
• Consider Vitality for wellness incentives if planning to quit.
• Ensure cancer cover is unlimited — smoking-related cancers are expensive.

PremierPMI broker desk notes

• Always disclose smoking honestly — fraudulent non-disclosure can void your entire policy when you need it most.
• If you've quit for 12+ months, you usually qualify for non-smoker rates — provide evidence (CO test or GP letter).
• Vitality's wellness discounts can offset smoker loadings over time if you engage with the quit-smoking programme.

Common questions

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).

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 020 8064 2273, or email contact@premierpmi.co.uk.