My health insurance doesn’t ask about smoking.
Mine does.
I can’t imagine one company asking about the state of your ‘health’, including smoking, and one not asking.
Insurance companies will do everything possible to make you pay as high a premium as they can.
Your insurance company gets that and a plethora of other info directly from your Medical Records. Do a search on "Medical Information Bureau" for an eye-opener. And yes they are far worse than TransUnion, Equifax, or any other consumer credit outfit for problem resolution.