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Are we serious

As per the National Family Health Survey (NFHS) by the Government of India, the use of all tobacco forms were higher in rural areas than in urban areas while smoking was more common in urban areas

Often referred to as e-cigs, vapes, vape pens, or mods, these devices come in various shapes and sizes, some resembling traditional cigarettes, cigars, or pipes, while others look like pens, USB drives, or other everyday items

While this drops the net premium dramatically in both scenarios, it would now cost them 74% more if they check off the "smoker" box than if they don't, because that extra $61/month is applied no matter what their income is