Should an insurance company hold the right to write within the policy?
They don't pay for lung related diseases for smokers or HIV/Aids treatment to homosexuals.
Is that a right they should have?
They can put whatever exclusions they want - if you don't like it, don't buy it.
They should not and they don't have the right.
I guess most people did not realize you be asking a hypothetical question.
Insurance companies can waiver out coverage for certain conditions that are currently present but no form insurance policy can exclude coverage in the manner you stated.
They can however deny coverage for ethnic group who participate in risky goings-on such as race car driving, skydiving, rodeo riding, etc.
Answers: Yes, they are writing the policy, and figure out the rates. They can write in whatever they want - if you don't close to it, shop elsewhere for coverage.
And most of the smokers I know, have had lung related diseases covered. And some do enjoy coverage for HIV/Aids, regardless of age or sexual orientation.
The problem is, you have to buy the policy, BEFORE you gain diagnosed with the condition. Afterwards, it's too late. I'm guessing that's what your concrete problem is . . .
Umm, only if it is a preexisting medical problem other learned NO..
Every states Insurance code is a touch different, most of them are making it harder and harder to discriminate against anything like what you have stated.
Any type of nouns, espcecially ocurring in the insurance industry is morally wrong, and lawmakers across the country are warfare to make sure it stops..
One of the more recent examples of this was US HR 1076 to prevent nouns of insurance companies against motorcycleists.
http://www.amadirectlink.com/news/2007/H...
It's always getting better on this front i'm glad to say-so.
--Updated: Despite what some of the answers indicate... as long as they are discriminating against an UNPROTECTED status, aka smokers, homosexuals... they ARE within their rigths to do so as long as it is clearly disclosed on the agreement that you sign