Honest Smokers: How Did HDFC ERGO Handle Your Health Insurance Underwriting?

I'm 34 and planning to buy a 10 lakh sum insured policy under  HDFC ERGO Optima Secure Plus.

I currently smoke about 4 cigarettes a day but am planning to quit. Apart from mild asthma (well-controlled, no hospitalizations or major issues), I don't have any other pre-existing diseases.

I'd like to hear from people who were honest about their smoking history when applying for health insurance:

1. What questions were asked during underwriting?

2. Did the insurer ask for medical tests, especially a urine test for cotinine/nicotine?

3. How did the telemedical/tele-diagnosis process work?

4. Were you asked for any additional reports because of smoking ?

5. Was there any premium loading, exclusion, or waiting period applied?

6. If you later quit smoking, how long did the insurer require you to be smoke-free before considering you a non-smoker and revising the premium?

It would be helpful if you could share your age, smoking history, insurer, and how underwriting ultimately handled your case.

Thanks in advance.