If I understand correctly, you want to create three cloze cards, while the third is a combination of the two previous ones.
That would require nesting the clozes like this:
I have a {{c3::{{c1::headache}}}} and I like {{c3::{{c2::smoking}}}}.
Anki’s default cloze note type doesn’t allow that. You could take a look at the add-on Closet, which handles nested clozes just fine.
Input
I have a [[c3::[[c1::headache]]]] and I like [[c3::[[c2::smoking]]]].
Card 1
Card 2
Card 3
