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“The only thing necessary for these diseases to the triumph is for good people and governments to do nothing.”



Health insurance privacy

 (WebMD), 5/4/01 2:49 p.m.

These are just some of the companies that deal in providing information to the insurance industry concerning your health status. (Many are located in Canada and are not covered under US law.) Health insurance companies are concerned about having only those individuals who are ill paying for their treatment. This information involves all individuals that may have a pre-existing condition, roughly 20% of the population.

This is a quote from one of the sites "Were there not safeguards in place, honest and responsible insurance applicants would be paying substantially more for their life, disability, and long term care insurance premiums. . . in fact. . .subsidizing those who should be paying more."


"Fair pricing of insurance products is largely dependent upon accurate "risk assessment", "risk classification", and "risk selection". And all of these are dependent upon obtaining accurate information from persons applying for insurance. The vast majority of persons who apply for life,health, disability, and long term careinsurance are honest and forthright in their answers to questions on insurance applications and medical exam forms concerning any medical conditions they currently have as well as their health histories. That would additionally include information on any other hazards to which they may be exposed at work or at play. Unfortunately, a relatively few attempt to circumvent the process. In doing so, they increase the costs of the insurance company, which, in turn, may result in reduced dividends for existing policyholders and increased premiums for applicants. By detecting or deterring those few, MIB acts as a "behind the scenes advocate" for most persons who are seeking to purchase life, health, disability, and more recently, long term care insurance. ' MBI