insurance underwriter jokes
Thereâ € ™ sa school of thought that says: â € œThe number LIEA donâ € ™ t €. The assumption is that numbers are the facts and the facts are always true. So if anyone has the number of times something happens, it gives a good basis for estimating the probability of the same thing happened through a population. This is the basis of the subscription for insurance purposes. Teams of highly trained actuaries calls to count how many traffic accidents there. The break down in age, make and model of car, age, sex and profession of the driver, time of day, weather conditions, and so on. We happily accept the information in the first half of 2009, only 16,626 people died in accidents, a fall of 7% over the same period last year past. No wonder when we read this shows that there are 1.15 deaths per 100 million miles driven. The facts are the facts and must be true. Except when applied the same approach to health insurance, some people get upset. Maybe itâ € ™ s good to be writing this in Halloween, but actuaries have the same into account the number of people who die of various diseases. For the purposes of this article, one of the main areas of interest was the question of obesity. There are no detailed figures available throughout the country show that people who have a high body mass index (BMI) are more likely than thin die heart disease. The medical evidence shows what is called â € œcomorbiditiesâ €, ie the presence of two or more conditions that, more often than not, suggests a cause and effect at work, or thereâ € ™ s an underlying vulnerability to both conditions. We're not that unhappy to accept a connection between drug abuse and mental illness, but mentions a possible link between body weight and disease and, suddenly, people are upset. People not hear a link between their lifestyle and the chance of premature death. The reality is that adults with a BMI of 30 or more are either being turned down for insurance health or to pay a higher premium. No matter how politically correct we can talk about obesity, insurance companies protect themselves by classifying obesity as a pre-existing condition that would justify the refusal or load the premium. So welcome to son Alex, a newcomer to Grand Junction. € Hea ™ s four months and breastfeeding. Hea € ™ sa happy baby, bouncing a weight of seventeen pounds. With a length of 25 inches, this puts you at the 99th percentile for Centers for Disease Control and Prevention € ™ s height and weight charts for babies of the same age. So the health insurance company be denied coverage. Their cutoff is the 95th percentile. When you think about it, this is a dramatic piece of news. It seems that you're never too young to be overweight. This not something that should be addressed through increased health insurance rates. This is a total rejection of coverage. At four months, the actuaries have already decided this baby is too great risk to insure. The parents are naturally upset. While your pediatrician has no health problems, they are talking about putting the baby in the Atkins diet. They joke, but this can be a real sign of change in the health insurance industry. There is no sentimentality here. After all, the numbers are donâ € ™ t, except for insurers changed their minds when advertising for success. Alex is insured. Some good news to end in.
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David Mayer is a frequent contributor to http://www.healthinsurancebible.com/your-babys-weight-and-insurance-2.html and is a highly regarded writer, having professionally dealt with numerous subjects. Visit the site to read David Mayer’s contributions.
Article Source: ArticlesBase.com – Your baby’s weight and insurance
