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Q: Do e-cigarettes count as ‘smoking’ for health insurance?

At the moment, yes, e-cigarettes are treated the same by the majority of providers as normal cigarettes, and even nicotine patches. See the general industry opinion:


“We do treat e-cigarette users as ‘normal’ smokers as the vast majority of the users remain addicted to nicotine. This is generally accepted practice in the industry but we continue to monitor as the situation is reviewed over time.”

Russell Whitworth, Claims and Underwriting Director at Legal & General


Most insurers also require at least a year’s break before they would class someone as  ‘non-smoker’, so if you’ve only recently stopped e-cigarettes this could still affect your premium.

Read more about Smoking and Health Insurance.