On Wed, 08 Feb 2023 04:15:39 +1100, JNugent <jenningsandco@mail.com> wrote:

> On 12/01/2023 06:27 pm, chop wrote:
>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>> <tim@marfordfarm.demon.co.uk> wrote:
>>
>>> In message <tpoq17$18ipc$1@dont-email.me>, Max Demian
>>> <max_demian@bigfoot.com> writes
>>>> On 11/01/2023 18:20, chop wrote:
>>>>> On Thu, 12 Jan 2023 03:09:33 +1100, Andrew
>>>>> <Andrew97d-junk@mybtinternet.com> wrote:
>>>>>> On 11/01/2023 15:49, Dave Plowman (News) wrote:
>>>>>>> In article <tpm4dj$s9qi$1@dont-email.me>,
>>>>>>> Brian Gaff <brian1gaff@gmail.com> wrote:
>>>>
>>>>>>>> What about vaping? I'm afraid putting the Genie into the bottle is
>>>>>>>> perhaps a bit utopian. We all should be able to survive with no
>>>>>>>> drugs,
>>>>>>>> and for the record I don't drink or smoke, but should there not
>>>>>>>> be a
>>>>>>>> responsibility to everyone else not to do things that burdens the
>>>>>>>> NHS
>>>>>>>> or affects others?
>>>>>>> Ah - right. So no recreation like sports etc?
>>>>>>>
>>>>>>
>>>>>> All forms of sports ought to have compulsory insurance
>>>>>> cover
>>>>> That's mad with kids kicking a ball around or playing
>>>>> a primitive form of cricket. Makes a lot mores sense
>>>>> to continue the current approach to the NHS.
>>>>
>>>> ...where people are allowed to do dangerous things like smoke or take
>>>> drugs; or just exist.
>>>>
>>>> (FTAOD I say this in opposition to Brian Gaff's view that "should
>>>> there not be a responsibility to everyone else not to do things that
>>>> burdens the NHS or affects others.")
>>>
>>> How does this work in say, America, with their individual health
>>> insurance cover? Do they get quizzed on life style, motorcycle
>>> ownership etc?
>> Generally not because most of their health insurance cover is provided
>> by their employer.

> The weird thing is that even many on the political left in the USA will
> argue in favour of their current system.

Yeah, plenty are convinced by the long delays for some
medical treatment in the UK that the US system is better.

> I know Democrat voters who are dead against the setting up of an
> American NHS. Their belief is that it will increase the premiums they
> (and maybe their employers) already pay and that they will be
> subsidising those with lower incomes.

But are too stupid to realise that their current system
is already by far the most expensive in the entire world.

> When it is explained that they need not continue to pay "thousands"
> (often per month!) and that everyone will contribute according to their
> taxable position... they don't believe it. And this despite the nearby
> example of Canada.

Yeah, they focus on the number of Canadians who pay to
get medical services in the USA who can afford to do that.

On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
<timstreater@greenbee.net> wrote:

> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>
>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>> <tim@marfordfarm.demon.co.uk>
>> wrote:
>>
>>> In message <tpoq17$18ipc$1@dont-email.me>, Max Demian
>>> <max_demian@bigfoot.com> writes
>>>> On 11/01/2023 18:20, chop wrote:
>>>>> On Thu, 12 Jan 2023 03:09:33 +1100, Andrew
>>>>> <Andrew97d-junk@mybtinternet.com> wrote:
>>>>>> On 11/01/2023 15:49, Dave Plowman (News) wrote:
>>>>>>> In article <tpm4dj$s9qi$1@dont-email.me>,
>>>>>>> Brian Gaff <brian1gaff@gmail.com> wrote:
>>>>
>>>>>>>> What about vaping? I'm afraid putting the Genie into the bottle is
>>>>>>>> perhaps a bit utopian. We all should be able to survive with no
>>>>>>>> drugs,
>>>>>>>> and for the record I don't drink or smoke, but should there not
>>>>>>>> be a
>>>>>>>> responsibility to everyone else not to do things that burdens the
>>>>>>>> NHS
>>>>>>>> or affects others?
>>>>>>> Ah - right. So no recreation like sports etc?
>>>>>>>
>>>>>>
>>>>>> All forms of sports ought to have compulsory insurance
>>>>>> cover
>>>>> That's mad with kids kicking a ball around or playing
>>>>> a primitive form of cricket. Makes a lot mores sense
>>>>> to continue the current approach to the NHS.
>>>>
>>>> ...where people are allowed to do dangerous things like smoke or take
>>>> drugs; or just exist.
>>>>
>>>> (FTAOD I say this in opposition to Brian Gaff's view that "should
>>>> there
>>>> not be a responsibility to everyone else not to do things that burdens
>>>> the NHS or affects others.")
>>>
>>> How does this work in say, America, with their individual health
>>> insurance cover? Do they get quizzed on life style, motorcycle
>>> ownership
>>> etc?
>>
>> Generally not because most of their health insurance cover is provided
>> by
>> their employer.
>
> Their health insurer is still likely to ask the employee to fill in a
> form
> listing pre-existing conditions, and possibly submit to a health check.

That's not life style, motorcycle ownership etc.

On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:

> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
> <timstreater@greenbee.net> wrote:
>
>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>
>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>> <tim@marfordfarm.demon.co.uk>
>>> wrote:

>>>> How does this work in say, America, with their individual health
>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>> ownership etc?
>>>
>>> Generally not because most of their health insurance cover is provided
>>> by their employer.
>>
>> Their health insurer is still likely to ask the employee to fill in a
>> form listing pre-existing conditions, and possibly submit to a health check.
>
> That's not life style, motorcycle ownership etc.

The point is you get quizzed. And for all I know, such quizzing might include
such questions as to whether the klod participates in dangerous sports, such
as rock climbing and similar.

--
There's no obfuscated Perl contest because it's pointless.

- Jeff Polk

On 7 Feb 2023 21:21:01 GMT
Tim Streater <timstreater@greenbee.net> wrote:

> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>
> > On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
> > <timstreater@greenbee.net> wrote:
> >
> >> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
> >>
> >>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
> >>> <tim@marfordfarm.demon.co.uk>
> >>> wrote:
>
> >>>> How does this work in say, America, with their individual health
> >>>> insurance cover? Do they get quizzed on life style, motorcycle
> >>>> ownership etc?
> >>>
> >>> Generally not because most of their health insurance cover is
> >>> provided by their employer.
> >>
> >> Their health insurer is still likely to ask the employee to fill
> >> in a form listing pre-existing conditions, and possibly submit to
> >> a health check.
> >
> > That's not life style, motorcycle ownership etc.
>
> The point is you get quizzed. And for all I know, such quizzing might
> include such questions as to whether the klod participates in
> dangerous sports, such as rock climbing and similar.
>
Most accidents happen in the home...

--
Joe

On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
<timstreater@greenbee.net> wrote:

> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>
>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>> <timstreater@greenbee.net> wrote:
>>
>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>
>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>> <tim@marfordfarm.demon.co.uk>
>>>> wrote:
>
>>>>> How does this work in say, America, with their individual health
>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>> ownership etc?
>>>>
>>>> Generally not because most of their health insurance cover is provided
>>>> by their employer.
>>>
>>> Their health insurer is still likely to ask the employee to fill in a
>>> form listing pre-existing conditions, and possibly submit to a health
>>> check.
>>
>> That's not life style, motorcycle ownership etc.

> The point is you get quizzed.

Not about those issues you don't.

> And for all I know, such quizzing might include
> such questions as to whether the klod participates in dangerous sports,
> such
> as rock climbing and similar.

No it does not.

On 07 Feb 2023 at 21:44:56 GMT, "chop" <chop654@gmail.com> wrote:

> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
> <timstreater@greenbee.net> wrote:
>
>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>
>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>> <timstreater@greenbee.net> wrote:
>>>
>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>
>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>> <tim@marfordfarm.demon.co.uk>
>>>>> wrote:
>>
>>>>>> How does this work in say, America, with their individual health
>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>> ownership etc?
>>>>>
>>>>> Generally not because most of their health insurance cover is provided
>>>>> by their employer.
>>>>
>>>> Their health insurer is still likely to ask the employee to fill in a
>>>> form listing pre-existing conditions, and possibly submit to a health
>>>> check.
>>>
>>> That's not life style, motorcycle ownership etc.
>
>> The point is you get quizzed.
>
> Not about those issues you don't.
>
>> And for all I know, such quizzing might include
>> such questions as to whether the klod participates in dangerous sports,
>> such as rock climbing and similar.
>
> No it does not.

How do you know this? Had a job in the US at any time? (FYI - I have.)

--
The reason you think government is the solution is because you think freedom is the problem. But the truth is that government ensures that the most evil, ruthless people end up in control, because the state is a single point of failure, and a high-value target of corruption.

Alan Lovejoy

On 07 Feb 2023 at 21:23:41 GMT, "Joe" <joe@jretrading.com> wrote:

> On 7 Feb 2023 21:21:01 GMT
> Tim Streater <timstreater@greenbee.net> wrote:
>
>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>
>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>> <timstreater@greenbee.net> wrote:
>>>
>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>
>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>> <tim@marfordfarm.demon.co.uk>
>>>>> wrote:
>>
>>>>>> How does this work in say, America, with their individual health
>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>> ownership etc?
>>>>>
>>>>> Generally not because most of their health insurance cover is
>>>>> provided by their employer.
>>>>
>>>> Their health insurer is still likely to ask the employee to fill
>>>> in a form listing pre-existing conditions, and possibly submit to
>>>> a health check.
>>>
>>> That's not life style, motorcycle ownership etc.
>>
>> The point is you get quizzed. And for all I know, such quizzing might
>> include such questions as to whether the klod participates in
>> dangerous sports, such as rock climbing and similar.
>>
> Most accidents happen in the home...

But they are not so serious as falling some distance and ending up paralysed.

--
"Hard" and "Soft" Brexit are code words for Leaving or Staying in the EU, rather than for the terms of our departure.

Jacob Rees-Mogg MP

On Wed, 08 Feb 2023 09:13:03 +1100, Tim Streater
<timstreater@greenbee.net> wrote:

> On 07 Feb 2023 at 21:44:56 GMT, "chop" <chop654@gmail.com> wrote:
>
>> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
>> <timstreater@greenbee.net> wrote:
>>
>>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>>
>>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>>> <timstreater@greenbee.net> wrote:
>>>>
>>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>
>>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>>> <tim@marfordfarm.demon.co.uk>
>>>>>> wrote:
>>>
>>>>>>> How does this work in say, America, with their individual health
>>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>>> ownership etc?
>>>>>>
>>>>>> Generally not because most of their health insurance cover is
>>>>>> provided
>>>>>> by their employer.
>>>>>
>>>>> Their health insurer is still likely to ask the employee to fill in a
>>>>> form listing pre-existing conditions, and possibly submit to a health
>>>>> check.
>>>>
>>>> That's not life style, motorcycle ownership etc.
>>
>>> The point is you get quizzed.
>>
>> Not about those issues you don't.
>>
>>> And for all I know, such quizzing might include
>>> such questions as to whether the klod participates in dangerous sports,
>>> such as rock climbing and similar.
>>
>> No it does not.
>
> How do you know this?

Those in alt.home.repair have said that when that was being discussed.

> Had a job in the US at any time? (FYI - I have.)

The technical term for that is 'pathetically inadequate sample'

On 07-Feb-23 21:44, chop wrote:
> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
> <timstreater@greenbee.net> wrote:
>
>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>
>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>> <timstreater@greenbee.net> wrote:
>>>
>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>
>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>> <tim@marfordfarm.demon.co.uk>
>>>>> wrote:
>>
>>>>>> How does this work in say, America, with their individual health
>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>> ownership etc?
>>>>>
>>>>> Generally not because most of their health insurance cover is provided
>>>>> by their employer.
>>>>
>>>> Their health insurer is still likely to ask the employee to fill in a
>>>> form listing pre-existing conditions, and possibly submit to a
>>>> health check.
>>>
>>> That's not life style, motorcycle ownership etc.
>
>> The point is you get quizzed.
>
> Not about those issues you don't.
>
>> And for all I know, such quizzing might include
>> such questions as to whether the klod participates in dangerous
>> sports, such
>> as rock climbing and similar.
>
> No it does not.

I doubt if a detailed questionnaire is needed.

From the insurance company point of view, all they need is to include a
statement that the insured _must_ inform them of anything which is
relevant to the insurance cover.
When a claim is made about an injury whilst rock-climbing etc. they can
deny the claim, because this information wasn't provided.

--
Sam Plusnet

On 08/02/2023 19:23, Sam Plusnet wrote:
> On 07-Feb-23 21:44, chop wrote:
>> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
>> <timstreater@greenbee.net> wrote:
>>
>>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>>
>>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>>> <timstreater@greenbee.net> wrote:
>>>>
>>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>
>>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>>> <tim@marfordfarm.demon.co.uk>
>>>>>> wrote:
>>>
>>>>>>> How does this work in say, America, with their individual health
>>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>>> ownership etc?
>>>>>>
>>>>>> Generally not because most of their health insurance cover is
>>>>>> provided
>>>>>> by their employer.
>>>>>
>>>>> Their health insurer is still likely to ask the employee to fill in a
>>>>> form listing pre-existing conditions, and possibly submit to a
>>>>> health check.
>>>>
>>>> That's not life style, motorcycle ownership etc.
>>
>>> The point is you get quizzed.
>>
>> Not about those issues you don't.
>>
>>> And for all I know, such quizzing might include
>>> such questions as to whether the klod participates in dangerous
>>> sports, such
>>> as rock climbing and similar.
>>
>> No it does not.
>
> I doubt if a detailed questionnaire is needed.
>
> From the insurance company point of view, all they need is to include a
> statement that the insured _must_ inform them of anything which is
> relevant to the insurance cover.
> When a claim is made about an injury whilst rock-climbing etc. they can
> deny the claim, because this information wasn't provided.

But where is the line drawn? What about riding a motorbike, climbing a
ladder for DIY, etc.?

On Thu, 09 Feb 2023 06:23:28 +1100, Sam Plusnet <not@home.com> wrote:

> On 07-Feb-23 21:44, chop wrote:
>> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
>> <timstreater@greenbee.net> wrote:
>>
>>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>>
>>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>>> <timstreater@greenbee.net> wrote:
>>>>
>>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>
>>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>>> <tim@marfordfarm.demon.co.uk>
>>>>>> wrote:
>>>
>>>>>>> How does this work in say, America, with their individual health
>>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>>> ownership etc?
>>>>>>
>>>>>> Generally not because most of their health insurance cover is
>>>>>> provided
>>>>>> by their employer.
>>>>>
>>>>> Their health insurer is still likely to ask the employee to fill in a
>>>>> form listing pre-existing conditions, and possibly submit to a
>>>>> health check.
>>>>
>>>> That's not life style, motorcycle ownership etc.
>>
>>> The point is you get quizzed.
>> Not about those issues you don't.
>>
>>> And for all I know, such quizzing might include
>>> such questions as to whether the klod participates in dangerous
>>> sports, such
>>> as rock climbing and similar.
>> No it does not.
>
> I doubt if a detailed questionnaire is needed.
>
> From the insurance company point of view, all they need is to include a
> statement that the insured _must_ inform them of anything which is
> relevant to the insurance cover.
> When a claim is made about an injury whilst rock-climbing etc. they can
> deny the claim, because this information wasn't provided.

US medical insurance doesn't work like that, particularly
with the insurance that your employer provides and that
is the bulk of US medical insurance.

On 08 Feb 2023 at 20:26:23 GMT, "SteveW" <steve@walker-family.me.uk> wrote:

> On 08/02/2023 19:23, Sam Plusnet wrote:
>> On 07-Feb-23 21:44, chop wrote:
>>> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
>>> <timstreater@greenbee.net> wrote:
>>>
>>>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>>>
>>>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>>>> <timstreater@greenbee.net> wrote:
>>>>>
>>>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>>
>>>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>>>> <tim@marfordfarm.demon.co.uk>
>>>>>>> wrote:
>>>>
>>>>>>>> How does this work in say, America, with their individual health
>>>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>>>> ownership etc?
>>>>>>>
>>>>>>> Generally not because most of their health insurance cover is
>>>>>>> provided
>>>>>>> by their employer.
>>>>>>
>>>>>> Their health insurer is still likely to ask the employee to fill in a
>>>>>> form listing pre-existing conditions, and possibly submit to a
>>>>>> health check.
>>>>>
>>>>> That's not life style, motorcycle ownership etc.
>>>
>>>> The point is you get quizzed.
>>>
>>> Not about those issues you don't.
>>>
>>>> And for all I know, such quizzing might include
>>>> such questions as to whether the klod participates in dangerous
>>>> sports, such
>>>> as rock climbing and similar.
>>>
>>> No it does not.
>>
>> I doubt if a detailed questionnaire is needed.
>>
>> From the insurance company point of view, all they need is to include a
>> statement that the insured _must_ inform them of anything which is
>> relevant to the insurance cover.
>> When a claim is made about an injury whilst rock-climbing etc. they can
>> deny the claim, because this information wasn't provided.
>
> But where is the line drawn? What about riding a motorbike, climbing a
> ladder for DIY, etc.?

Those are all "normal" activities which if you do them in the normal way
(driving test for motorbikes etc) present no special risk, any more thna
driving a car would. My recollection is that cover for skiing was included,
but not for any more "extreme" sport, where here "extreme" would mean extra
danger and an activity not participated in by the masses. So, rock climbing,
sky diving, perhaps scuba diving, things of that ilk. Anything that requires
special kit which itself needs to be looked after very carefully.

--
"The problem with defending the purity of the English language is that English is about as pure as a cribhouse whore. We don't just borrow words; on occasion, English has pursued other languages down alleyways to beat them unconscious and rifle their pockets for new vocabulary."

James Nicoll, rasfw

On 08/02/2023 22:00, Tim Streater wrote:
> On 08 Feb 2023 at 20:26:23 GMT, "SteveW" <steve@walker-family.me.uk> wrote:
>
>> On 08/02/2023 19:23, Sam Plusnet wrote:
>>> On 07-Feb-23 21:44, chop wrote:
>>>> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
>>>> <timstreater@greenbee.net> wrote:
>>>>
>>>>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>
>>>>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>>>>> <timstreater@greenbee.net> wrote:
>>>>>>
>>>>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>>>
>>>>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>>>>> <tim@marfordfarm.demon.co.uk>
>>>>>>>> wrote:
>>>>>
>>>>>>>>> How does this work in say, America, with their individual health
>>>>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>>>>> ownership etc?
>>>>>>>>
>>>>>>>> Generally not because most of their health insurance cover is
>>>>>>>> provided
>>>>>>>> by their employer.
>>>>>>>
>>>>>>> Their health insurer is still likely to ask the employee to fill in a
>>>>>>> form listing pre-existing conditions, and possibly submit to a
>>>>>>> health check.
>>>>>>
>>>>>> That's not life style, motorcycle ownership etc.
>>>>
>>>>> The point is you get quizzed.
>>>>
>>>> Not about those issues you don't.
>>>>
>>>>> And for all I know, such quizzing might include
>>>>> such questions as to whether the klod participates in dangerous
>>>>> sports, such
>>>>> as rock climbing and similar.
>>>>
>>>> No it does not.
>>>
>>> I doubt if a detailed questionnaire is needed.
>>>
>>> From the insurance company point of view, all they need is to include a
>>> statement that the insured _must_ inform them of anything which is
>>> relevant to the insurance cover.
>>> When a claim is made about an injury whilst rock-climbing etc. they can
>>> deny the claim, because this information wasn't provided.
>>
>> But where is the line drawn? What about riding a motorbike, climbing a
>> ladder for DIY, etc.?
>
> Those are all "normal" activities which if you do them in the normal way
> (driving test for motorbikes etc) present no special risk, any more thna
> driving a car would. My recollection is that cover for skiing was included,
> but not for any more "extreme" sport, where here "extreme" would mean extra
> danger and an activity not participated in by the masses. So, rock climbing,
> sky diving, perhaps scuba diving, things of that ilk. Anything that requires
> special kit which itself needs to be looked after very carefully.

Smoking was the norm, so was DIY on gas and electric. It's all a
slippery slope.

I find it quite stupid that wearing seat-belts in a car is compulsory,
yet you can still ride a bike.

On Thu, 09 Feb 2023 09:00:40 +1100, Tim Streater
<timstreater@greenbee.net> wrote:

> On 08 Feb 2023 at 20:26:23 GMT, "SteveW" <steve@walker-family.me.uk>
> wrote:
>
>> On 08/02/2023 19:23, Sam Plusnet wrote:
>>> On 07-Feb-23 21:44, chop wrote:
>>>> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
>>>> <timstreater@greenbee.net> wrote:
>>>>
>>>>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>
>>>>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>>>>> <timstreater@greenbee.net> wrote:
>>>>>>
>>>>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>>>
>>>>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>>>>> <tim@marfordfarm.demon.co.uk>
>>>>>>>> wrote:
>>>>>
>>>>>>>>> How does this work in say, America, with their individual health
>>>>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>>>>> ownership etc?
>>>>>>>>
>>>>>>>> Generally not because most of their health insurance cover is
>>>>>>>> provided
>>>>>>>> by their employer.
>>>>>>>
>>>>>>> Their health insurer is still likely to ask the employee to fill
>>>>>>> in a
>>>>>>> form listing pre-existing conditions, and possibly submit to a
>>>>>>> health check.
>>>>>>
>>>>>> That's not life style, motorcycle ownership etc.
>>>>
>>>>> The point is you get quizzed.
>>>>
>>>> Not about those issues you don't.
>>>>
>>>>> And for all I know, such quizzing might include
>>>>> such questions as to whether the klod participates in dangerous
>>>>> sports, such
>>>>> as rock climbing and similar.
>>>>
>>>> No it does not.
>>>
>>> I doubt if a detailed questionnaire is needed.
>>>
>>> From the insurance company point of view, all they need is to include
>>> a
>>> statement that the insured _must_ inform them of anything which is
>>> relevant to the insurance cover.
>>> When a claim is made about an injury whilst rock-climbing etc. they can
>>> deny the claim, because this information wasn't provided.
>>
>> But where is the line drawn? What about riding a motorbike, climbing a
>> ladder for DIY, etc.?
>
> Those are all "normal" activities which if you do them in the normal way
> (driving test for motorbikes etc) present no special risk, any more thna
> driving a car would.

The risk of very expensive medical injury is FAR higher with a motorcycle.

> My recollection is that cover for skiing was included,
> but not for any more "extreme" sport, where here "extreme" would mean
> extra
> danger and an activity not participated in by the masses. So, rock
> climbing,
> sky diving, perhaps scuba diving, things of that ilk. Anything that
> requires
> special kit which itself needs to be looked after very carefully.

On Thu, 09 Feb 2023 10:07:23 +1100, chop <chop654@gmail.com> wrote:

> On Thu, 09 Feb 2023 09:00:40 +1100, Tim Streater
> <timstreater@greenbee.net> wrote:
>
>> On 08 Feb 2023 at 20:26:23 GMT, "SteveW" <steve@walker-family.me.uk>
>> wrote:
>>
>>> On 08/02/2023 19:23, Sam Plusnet wrote:
>>>> On 07-Feb-23 21:44, chop wrote:
>>>>> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
>>>>> <timstreater@greenbee.net> wrote:
>>>>>
>>>>>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>>
>>>>>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>>>>>> <timstreater@greenbee.net> wrote:
>>>>>>>
>>>>>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>>>>
>>>>>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>>>>>> <tim@marfordfarm.demon.co.uk>
>>>>>>>>> wrote:
>>>>>>
>>>>>>>>>> How does this work in say, America, with their individual health
>>>>>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>>>>>> ownership etc?
>>>>>>>>>
>>>>>>>>> Generally not because most of their health insurance cover is
>>>>>>>>> provided
>>>>>>>>> by their employer.
>>>>>>>>
>>>>>>>> Their health insurer is still likely to ask the employee to fill
>>>>>>>> in a
>>>>>>>> form listing pre-existing conditions, and possibly submit to a
>>>>>>>> health check.
>>>>>>>
>>>>>>> That's not life style, motorcycle ownership etc.
>>>>>
>>>>>> The point is you get quizzed.
>>>>>
>>>>> Not about those issues you don't.
>>>>>
>>>>>> And for all I know, such quizzing might include
>>>>>> such questions as to whether the klod participates in dangerous
>>>>>> sports, such
>>>>>> as rock climbing and similar.
>>>>>
>>>>> No it does not.
>>>>
>>>> I doubt if a detailed questionnaire is needed.
>>>>
>>>> From the insurance company point of view, all they need is to
>>>> include a
>>>> statement that the insured _must_ inform them of anything which is
>>>> relevant to the insurance cover.
>>>> When a claim is made about an injury whilst rock-climbing etc. they
>>>> can
>>>> deny the claim, because this information wasn't provided.
>>>
>>> But where is the line drawn? What about riding a motorbike, climbing a
>>> ladder for DIY, etc.?
>>
>> Those are all "normal" activities which if you do them in the normal way
>> (driving test for motorbikes etc) present no special risk, any more thna
>> driving a car would.
>
> The risk of very expensive medical injury is FAR higher with a
> motorcycle.
>
>> My recollection is that cover for skiing was included,
>> but not for any more "extreme" sport, where here "extreme" would mean
>> extra
>> danger and an activity not participated in by the masses. So, rock
>> climbing,
>> sky diving, perhaps scuba diving, things of that ilk. Anything that
>> requires
>> special kit which itself needs to be looked after very carefully.

But not with sports like rugby or american football.

On 08/02/2023 23:07, Fredxx wrote:

> I find it quite stupid that wearing seat-belts in a car is compulsory,
> yet you can still ride a bike.

Crash helmets for all car occupants will soon be compulsory.

--
mailto : news {at} admac {dot} myzen {dot} co {dot} uk

On Thu, 09 Feb 2023 20:43:51 +1100, alan_m <junk@admac.myzen.co.uk> wrote:

> On 08/02/2023 23:07, Fredxx wrote:
>
>> I find it quite stupid that wearing seat-belts in a car is compulsory,
>> yet you can still ride a bike.
>
> Crash helmets for all car occupants will soon be compulsory.

No chance and won't work for those whose head
already scrapes the inside of the car roof.

On 08-Feb-23 23:09, chop wrote:
> On Thu, 09 Feb 2023 10:07:23 +1100, chop <chop654@gmail.com> wrote:
>
>> On Thu, 09 Feb 2023 09:00:40 +1100, Tim Streater
>> <timstreater@greenbee.net> wrote:
>>
>>> On 08 Feb 2023 at 20:26:23 GMT, "SteveW" <steve@walker-family.me.uk>
>>> wrote:
>>>
>>>> On 08/02/2023 19:23, Sam Plusnet wrote:
>>>>> On 07-Feb-23 21:44, chop wrote:
>>>>>> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
>>>>>> <timstreater@greenbee.net> wrote:
>>>>>>
>>>>>>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>>>
>>>>>>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>>>>>>> <timstreater@greenbee.net> wrote:
>>>>>>>>
>>>>>>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>>>>>
>>>>>>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>>>>>>> <tim@marfordfarm.demon.co.uk>
>>>>>>>>>> wrote:
>>>>>>>
>>>>>>>>>>> How does this work in say, America, with their individual health
>>>>>>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>>>>>>> ownership etc?
>>>>>>>>>>
>>>>>>>>>> Generally not because most of their health insurance cover is
>>>>>>>>>> provided
>>>>>>>>>> by their employer.
>>>>>>>>>
>>>>>>>>> Their health insurer is still likely to ask the employee to
>>>>>>>>> fill in a
>>>>>>>>> form listing pre-existing conditions, and possibly submit to a
>>>>>>>>> health check.
>>>>>>>>
>>>>>>>> That's not life style, motorcycle ownership etc.
>>>>>>
>>>>>>> The point is you get quizzed.
>>>>>>
>>>>>> Not about those issues you don't.
>>>>>>
>>>>>>> And for all I know, such quizzing might include
>>>>>>> such questions as to whether the klod participates in dangerous
>>>>>>> sports, such
>>>>>>> as rock climbing and similar.
>>>>>>
>>>>>> No it does not.
>>>>>
>>>>> I doubt if a detailed questionnaire is needed.
>>>>>
>>>>>  From the insurance company point of view, all they need is to
>>>>> include a
>>>>> statement that the insured _must_ inform them of anything which is
>>>>> relevant to the insurance cover.
>>>>> When a claim is made about an injury whilst rock-climbing etc. they
>>>>> can
>>>>> deny the claim, because this information wasn't provided.
>>>>
>>>> But where is the line drawn? What about riding a motorbike, climbing a
>>>> ladder for DIY, etc.?
>>>
>>> Those are all "normal" activities which if you do them in the normal way
>>> (driving test for motorbikes etc) present no special risk, any more thna
>>> driving a car would.
>>
>> The risk of very expensive medical injury is FAR higher with a
>> motorcycle.
>>
>>> My recollection is that cover for skiing was included,
>>> but not for any more "extreme" sport, where here "extreme" would mean
>>> extra
>>> danger and an activity not participated in by the masses. So, rock
>>> climbing,
>>> sky diving, perhaps scuba diving, things of that ilk. Anything that
>>> requires
>>> special kit which itself needs to be looked after very carefully.
>
> But not with sports like rugby or american football.

Perhaps the insurance company will decide what should and should not be
notified to them - once they have a clear understanding of how large the
claim might be.

--
Sam Plusnet

On Fri, 10 Feb 2023 06:21:39 +1100, Sam Plusnet <not@home.com> wrote:

> On 08-Feb-23 23:09, chop wrote:
>> On Thu, 09 Feb 2023 10:07:23 +1100, chop <chop654@gmail.com> wrote:
>>
>>> On Thu, 09 Feb 2023 09:00:40 +1100, Tim Streater
>>> <timstreater@greenbee.net> wrote:
>>>
>>>> On 08 Feb 2023 at 20:26:23 GMT, "SteveW" <steve@walker-family.me.uk>
>>>> wrote:
>>>>
>>>>> On 08/02/2023 19:23, Sam Plusnet wrote:
>>>>>> On 07-Feb-23 21:44, chop wrote:
>>>>>>> On Wed, 08 Feb 2023 08:21:01 +1100, Tim Streater
>>>>>>> <timstreater@greenbee.net> wrote:
>>>>>>>
>>>>>>>> On 07 Feb 2023 at 18:31:06 GMT, "chop" <chop654@gmail.com> wrote:
>>>>>>>>
>>>>>>>>> On Wed, 08 Feb 2023 05:05:07 +1100, Tim Streater
>>>>>>>>> <timstreater@greenbee.net> wrote:
>>>>>>>>>
>>>>>>>>>> On 12 Jan 2023 at 18:27:14 GMT, "chop" <chop654@gmail.com>
>>>>>>>>>> wrote:
>>>>>>>>>>
>>>>>>>>>>> On Thu, 12 Jan 2023 23:18:05 +1100, Tim Lamb
>>>>>>>>>>> <tim@marfordfarm.demon.co.uk>
>>>>>>>>>>> wrote:
>>>>>>>>
>>>>>>>>>>>> How does this work in say, America, with their individual
>>>>>>>>>>>> health
>>>>>>>>>>>> insurance cover? Do they get quizzed on life style, motorcycle
>>>>>>>>>>>> ownership etc?
>>>>>>>>>>>
>>>>>>>>>>> Generally not because most of their health insurance cover is
>>>>>>>>>>> provided
>>>>>>>>>>> by their employer.
>>>>>>>>>>
>>>>>>>>>> Their health insurer is still likely to ask the employee to
>>>>>>>>>> fill in a
>>>>>>>>>> form listing pre-existing conditions, and possibly submit to a
>>>>>>>>>> health check.
>>>>>>>>>
>>>>>>>>> That's not life style, motorcycle ownership etc.
>>>>>>>
>>>>>>>> The point is you get quizzed.
>>>>>>>
>>>>>>> Not about those issues you don't.
>>>>>>>
>>>>>>>> And for all I know, such quizzing might include
>>>>>>>> such questions as to whether the klod participates in dangerous
>>>>>>>> sports, such
>>>>>>>> as rock climbing and similar.
>>>>>>>
>>>>>>> No it does not.
>>>>>>
>>>>>> I doubt if a detailed questionnaire is needed.
>>>>>>
>>>>>> From the insurance company point of view, all they need is to
>>>>>> include a
>>>>>> statement that the insured _must_ inform them of anything which is
>>>>>> relevant to the insurance cover.
>>>>>> When a claim is made about an injury whilst rock-climbing etc. they
>>>>>> can
>>>>>> deny the claim, because this information wasn't provided.
>>>>>
>>>>> But where is the line drawn? What about riding a motorbike, climbing
>>>>> a
>>>>> ladder for DIY, etc.?
>>>>
>>>> Those are all "normal" activities which if you do them in the normal
>>>> way
>>>> (driving test for motorbikes etc) present no special risk, any more
>>>> thna
>>>> driving a car would.
>>>
>>> The risk of very expensive medical injury is FAR higher with a
>>> motorcycle.
>>>
>>>> My recollection is that cover for skiing was included,
>>>> but not for any more "extreme" sport, where here "extreme" would mean
>>>> extra
>>>> danger and an activity not participated in by the masses. So, rock
>>>> climbing,
>>>> sky diving, perhaps scuba diving, things of that ilk. Anything that
>>>> requires
>>>> special kit which itself needs to be looked after very carefully.
>> But not with sports like rugby or american football.
>
> Perhaps the insurance company will decide what should and should not be
> notified to them - once they have a clear understanding of how large the
> claim might be.

Never heard of that happening with sports injuries.