QUOTE(Paladin Elspeth @ Jul 2 2003, 08:07 PM)
Of course it is unfair.
Insurance companies have honed exclusionary practices to a fine art. Anything to deny a claim.
Exclusionary is the word! And not just to deny a claim, but to deny insurance. The concept of insurance is to spread the risks, or so I thought. If insurance companies can choose to insure only those most likely to not suffer an illness or accident, the rates should be considerably lower, but that isn't the case.
Examples: While working at a Nuclear Power Plant as a contract worker, I was quoted an obscenely high rate for disability inusrance, based on where I worked. I told them that statistics prove that Nuclear power plants were far safer than any other power plant, but that didn't matter. Their fear of anything nuclear was all that mattered.
And more recently, going for life insurance, I admitted to having 3 small basal cell carcinomas over the last 15 years, and having a polyp (not a tumor) removed during a rectal exam (colon cancer killed my father at 75, but only because he ignored the symptoms til it was too late). So there I was at age 55, never smoked and rarely drank, no history of ANY life threatening disease occuring until very old age in any of my family members, and the companies don't want to insure me unless I pay a very high rate. The 2 problems I mentioned are the most curable and least likely to kill of all cancers. My weight is only about 20 pounds high based on charts, and all my blood tests are in the good range.
Based on this and what other types of insurance companies have been doing lately, and I think that we may have found our next big corporate scandal in the making.