Posted: Jan 07, 2015 11:31 pm
by Darwinsbulldog
Scot Dutchy wrote:
laklak wrote:Already does here. They'll load your premium based on what you do in your free time. Scuba diving, skydiving, rock climbing, driving race cars, flying a small aircraft, all those will increase your cost. Your habits cost you, too. You'll pay a lot more if you're a smoker, for example, and your BMI is part of the premium calculation.

I don't know why this would be unacceptable, the same thing happens with every other form of insurance. A Ferrari costs a shitload more to insure than a Sentra, a big home costs more to insure than a small flat. It's considered perfectly normal to charge someone more for health insurance if they're older, so why not if they're overweight or engage in a risky hobby?

I agree that life style should be part of formula for calculating insurance costs. If somebody wants to be a dare devil that's up him/her but their insurance should reflect it. The same if somebody weighs 200 kg. and thinks it is normal that should be also reflected in the insurance costs.

OK with some things. But there is increasing evidence that stuff like cancer is mainly about bad luck, and poor lifestyle may have less effect than we think. I am not saying high risk activities should not be factored into insurance premiums, but I see a danger of it becoming contaminated with political correctness. We don't like people doing activity X, so fuck 'em, make them pay more for insurance.
The irony of this is that while medicine is becoming more personalized [because many medical conditions are complex traits with multiple causation and variation], insurance is lumping people in classes. This process can sometimes become bigoted, such as in anti-gun laws and smoking legislation. This is because no matter what a person does, the law has to consider all equally. The responsible gun owner or the responsible smoker is assumed to be an anti-social idiot. Likewise with 'fatties" "Oh, he is a fatty so he has no self-discipline" crap.
We all have our faults and demons.