weed plus tobacco Vaping is popular, but there are many unknowns about its safety : NPR Mixing Cannabis and Tobacco: A

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But, as Singhania says, Courts have interpreted such exclusions narrowly, meaning the insurer must show a direct and proximate link between the conduct (alcohol or tobacco use) and the ailment. According to Shilpa Arora, Co-founder of Insurance Samadhan, policy clauses on self-inflicted harm or substance abuse can be crucial in such cases, depending on doctors reports