Any system that takes away personal incentive or responsibility is doomed to fail long term. We have a health care crisis because as a whole we are not making healthy lifestyle choices and not assuming personal responsibility for our health.
The free marketplace works. As more people take responsibility for their health, less demand is put on insurance so premiums can be reduced and still care for those who do need health care.
Personal incentives are needed to encourage people to make healthier choices. What can our society do to empower people to take action to prevent disease?
I think insurance company provide different type of policies and Service, and it is our work to find the best thing among them.
One of the primary reasons that a life insurance company will request medical records is to verify information that is contained on an application. Life insurers are not going to issue certain types of life insurance products, such as a whole life or term life policy without verifying the health information that was provided by an applicant. This can include verifying whether or not an applicant currently smokes cigarettes.
You talk about lower rates for those who go to the gym. Businesses can take advantage of something similar. If your company promotes walking or other exercise programs at work, the business' health insurance will often give the company a discount.