From what I understood, this a coverage with a fixed charge the same regardless of client's sex or smoking habits. See the reference below:


Are smokers and non-smokers charged the same?

Clearly those who smoke or use tobacco products know they have a higher risk of getting cancer. They also have a higher risk of heart disease which results in a heart attack or stroke. Insurance companies know that as well. Some insurance companies charge the same to applicants who smoke as to those who do not smoke. As a result, non-smokers end up subsiding some of that added risk.

If you smoke or use tobacco products, you should look for a policy that offers ‘uni-tobacco’ rates. Chances are you’ll save money.

If you DON’T smoke or use tobacco products you should definitely compare a product that offers lower rates for non-tobacco users. How can you tell? If they ask whether you use tobacco, it’s likely they offer lower rates.
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