Opened this thread keen to read Joffa's opinion.

Disappointed.

As a doctor, I know that the people who clog emergency departments are old people, smokers, fat people, drug addicts, drunks and diabetics, with an overall general skew towards poor people.

Active weekend warriors may suffer the occasional injury in their pursuits, but these injuries are usually easily treated, and don't require admission to hospital.

Most lacerations, abrasions and fractures don't require admission to hospital.

Everything on the Internet is true.

Really? What's the most effective way to handle fractures then?

It's not the businesses/economies fault that kids and people are fat.

You choose to buy the burger instead of the salad, no ones is making you choose one over the other.

This is so true on many levels. University of Western Sydney are guilty of this.

They advertise the 'healthy' salad options in the canteen, yet cost around double that of what a burger, fries and coke cost.

Consider that Salad has a much shorter shelf life, this means you're naturally going to have higher wastage. Longer shelf life also means mass production economics is far more beneficial in something like a burger. When you've got lower production costs and lower wastage of course the burger is going to be cheaper. It's not the business' fault that they're trying to make money as efficiently as possible.

no one should pay more than anyone else regardless of how they live their lives. Dickheads don't get higher Car or home and Content insurance because they're a higher risk.

Besides, These people are unlikely to have health insurance any way and there for are claiming everything claimable via Medicare. These People don't generally claim on preventative medications or treatments and overall die 10-15 years earlier than their counter parts so do not drain as much as you believe.

Old people who have lived a generally healthy life and have not had any great life threatening diseases like cancer are the biggest drain as they're out living previous generations by 10-30 years.

The fact that you're health means you're more likely to be a drain on the health system than not.

Insurance is a contract between you and your insurance company. Insurance has various types are there. Each of them is classified as per the usage of the application. You buy a plan, and the company agrees to pay part of your medical costs when you get sick or hurt.
Singapore Life Insurance

Add smokers to that list.