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From: spaf@gatech.CSNET (Gene Spafford)
Newsgroups: net.med
Subject: Re: Smoking and Insurance
Message-ID: <2177@gatech.CSNET>
Date: Fri, 6-Dec-85 12:37:47 EST
Article-I.D.: gatech.2177
Posted: Fri Dec  6 12:37:47 1985
Date-Received: Sat, 7-Dec-85 05:12:48 EST
References: <2080@gatech.CSNET> <572@brl-sem.ARPA>
Reply-To: spaf@gatech.UUCP (Gene Spafford)
Organization: The Clouds Project, School of ICS, Georgia Tech
Lines: 19

In article <572@brl-sem.ARPA> abc@brl-sem.UUCP (Brint Cooper (SECAD/CSMB) <abc>) writes:
>Giving a premium break to non-smokers sounds like a good
>idea.  How does Kathy's company assure themselves that the
>applicant simply isn't a lying smoker looking for a bargain?

Lying on an insurance application is sufficient grounds for the
insurance company to not pay the claim should the applicant die (and
the lie be discovered -- and that's a good possibility if the death
is smoking related), just as if the applicant doesn't disclose a
heart condition or cancer when applying for the policy.  Also, the
agent involved can usually find out if the person is a smoker.
Instances of cheating are probably very, very small.  Kathy has said
that it is more likely that someone will lie about his/her medical
history rather than whether s/he smokes or not.
-- 
Gene "wedding done, thesis to go" Spafford
The Clouds Project, School of ICS, Georgia Tech, Atlanta GA 30332
CSNet:	Spaf @ GATech		ARPA:	Spaf%GATech.CSNet @ Relay.CS.NET
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