Health insurance

From the Scotsman:

"Recovering cancer patients face being questioned about their life expectancy or charged up to ten times more than healthy people when they try to buy travel insurance, charities claimed last night.

A new campaign by Macmillan Cancer Support is calling on British insurance companies to give people affected by cancer a better deal on travel insurance."

Mean - but the basic logic of any kind of insurance, surely? The insurance company gambles that on balance, you will use less than the amount you pay in your premium so the greater the risk to the insurer, the higher the cost of the policy. In health this just means those most likely to need it are going to be the least able to pay for it.