How smoking and alcohol affect health insurance premiums and claims in India? 0 10.11.2025 04:00 Economictimes.indiatimes.com Excessive smoking and alcohol consumption don’t just affect your health, but also influence how insurers assess risk, determine premiums and pay your claims. Партнёры Smi24.net Все новости за 24 часа Музыкальные новости Агрегатор новостей 24СМИ