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Heres why: Cigarettes deliver nicotine by burning tobacco, which releases tar, carbon monoxide, and over 70 known carcinogens

"But some people may experience acute irritation, coughing or asthma symptoms." The bigger concern, he said, is repeated exposure, especially in places with poor ventilation

To use a diffuser, simply add a few drops of the essential oil youve chosen

If an investigation reveals that the customer had failed to disclose alcohol or tobacco consumption habit, it could be treated as non-disclosure of a material fact, potentially leading to claim rejection or even policy cancellation, says Adarsh Agarwal, Appointed Actuary, Digit General Insurance