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re: Question to libs about prexisting conditions and high risk
Posted on 9/21/17 at 12:44 pm to roadGator
Posted on 9/21/17 at 12:44 pm to roadGator
quote:
That's not what you are paying for. I don't even think you believe that. CAn you rephrase that? Not trying to be a dick.
In part, yes. And in part, protection from health costs for not so serious illnesses that I may or may not get.
quote:
The methodology is the same.
It shouldn't be because they are very different industries.
quote:
OK. If you insure shipping containers and your insured is sending containers through an area known to be full of pirates should they be able to charge more? When you first began providing them insurance they didn't serve pirate infested waters?
In your scenario, you are asking if premiums should increase based on the insured choosing a more dangerous business practice. It doesn't make sense to compare this to something like somebody getting cancer, which is not a choice.
1
Posted on 9/21/17 at 12:48 pm to SUB
quote:
In part, yes. And in part, protection from health costs for not so serious illnesses that I may or may not get.
There is nothing in your health insurance contract that indicates that you are paying for good health. It's just not there. I really don't understand where you are going with this.
If you think the methodology should be different then please explain how price setting between one risk and another should be performed differently. I'm sure you could make a ton speaking to actuaries.
What if your cancer is lung cancer due to smoking?
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