It's very from company to company. As per MetLife's Met Protect Non-Tobacco/Tobacco User Means -
# People who have not smoked or consumed tobacco or nicotine products in any form in the last 5 years (Tobacco product includes but not limited to Cigarettes, Bidis, Cigars, Chewable Tobacco like Ghutka, flavoured Pan Masala etc.) and who have tested negative for the Cotinine Test. The special premium rates will be offered subject to satisfactory results of "Cotinine Test" besides other underwriting requirements as may be required by the company from time to time.