Does A Health Insurance Blood Test Check For Smoking? 
I 'm not aware of any health insurance plans that require blood and/or urine tests to qualify for . That said , the information is usually available through past medical history and may be found in the MIB -LRB- Medical Information Bureau -RRB- or your current doctor 's chart notes . The risk for someone who is a smoker and omits that information , is a cancelled policy . Usually this would occur at the worst possible time , during the filing of a large claim . With smoking , some states do not apply the 2 year contestibility clause and consider a contract between the insurer and insured to never have existed , so premiums are refunded . While with health insurance you may not be tested for smoking , they reserve and you consent to the right for them to check your health history , so any doctor you 've told or any treatment you 've had the possibility would exist that there is a record of it . 