M
Magic Monkey
Guest
I'm not trying to flame or be provocative, but why am I paying for maternity cover?
If, as the motor insurance market shows, it is acceptable to make risk assessments on the basis of gender and to structure price discriminations accordingly, why am I, a man, paying for maternity cover as a non-optional part of my personal health insurance?
I wouldn't mind paying it in the context of an insurance market that spread costs around more fairly - that's what insurance is for - but am I correct in thinking that the women whose maternity costs are being subsidised by my premium payments are getting cheaper car insurance because they're women and so present a lower risk? (Of course, women who get pregnant don't do it alone, but the maternity costs are claimed against their own insurance and not that of their husband or boyfriend or whatever.) Presumably, women who happily accept lower car insurance costs on the basis of gender-specific risk assessments would have to agree that gender-specific risk assessment in insurance is a good thing?
I have a 0% chance of ever claiming for maternity care: can I have a discount as well?
Discuss...
If, as the motor insurance market shows, it is acceptable to make risk assessments on the basis of gender and to structure price discriminations accordingly, why am I, a man, paying for maternity cover as a non-optional part of my personal health insurance?
I wouldn't mind paying it in the context of an insurance market that spread costs around more fairly - that's what insurance is for - but am I correct in thinking that the women whose maternity costs are being subsidised by my premium payments are getting cheaper car insurance because they're women and so present a lower risk? (Of course, women who get pregnant don't do it alone, but the maternity costs are claimed against their own insurance and not that of their husband or boyfriend or whatever.) Presumably, women who happily accept lower car insurance costs on the basis of gender-specific risk assessments would have to agree that gender-specific risk assessment in insurance is a good thing?
I have a 0% chance of ever claiming for maternity care: can I have a discount as well?
Discuss...