[Phoenix]

Insurance only works if thousands of people who will never need it pay in, supporting the few who do.

If we knew we would not need insurance, we probably would not take it out. Insurance companies would not wish to discourage us from taking out insurance unless it is only the high-risk that do so.

Predictive tests don't sound particularly accurate at the moment, but that will change, at which point the number of exclusions are likely to increase.