General > General Technical Chat
Big Brother air monitoring.
NiHaoMike:
--- Quote from: paulca on April 21, 2024, 01:03:00 pm ---The first area to affect you financially via this style of exploit is insurance.
--- End quote ---
Some insurance companies already charge a hefty extra premium for smokers, that includes the health insurance plan I get through work. (They apparently offer a program to quit smoking included in the extra premium, don't know the details as I have never smoked.) I think it's a good idea, the nonsmokers shouldn't have to pay for the costs of smoking. How it is determined is by self reporting, with threat of legal action or having claims be denied being the deterrent to lying about it.
tom66:
--- Quote from: NiHaoMike on April 23, 2024, 01:09:06 pm ---
--- Quote from: paulca on April 21, 2024, 01:03:00 pm ---The first area to affect you financially via this style of exploit is insurance.
--- End quote ---
Some insurance companies already charge a hefty extra premium for smokers, that includes the health insurance plan I get through work. (They apparently offer a program to quit smoking included in the extra premium, don't know the details as I have never smoked.) I think it's a good idea, the nonsmokers shouldn't have to pay for the costs of smoking. How it is determined is by self reporting, with threat of legal action or having claims be denied being the deterrent to lying about it.
--- End quote ---
I guess they'd look closely at someone with lung cancer or throat cancer and if the doctor reported a likely cause of smoking they'd not pay out.
An interesting counter-example is pension annuities which pay out more for people who smoke (because you're likely to die sooner.) How can they prove you smoke? Is once a month enough to meet the standard of being "a smoker"? If it meant an extra £500 a month (which it did in one example I chose) then, heck, it almost seems worth it, provided you can keep it to once a month!!
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