In modern markets, prices are overwhelmingly determined by demand rather than cost.
People with more problems pay more to get insurance because they cannot afford not to. Insurance companies are not run at-cost.
By giving them more excuses to scrutinize your lifestyle, you are just exposing yourself to the risk of them, one day, objecting to anything in it to raise prices on something you cannot afford not to pay.
People with more problems pay more to get insurance because they cannot afford not to. Insurance companies are not run at-cost.
By giving them more excuses to scrutinize your lifestyle, you are just exposing yourself to the risk of them, one day, objecting to anything in it to raise prices on something you cannot afford not to pay.