Smokers already pay a premium and are excluded from some policies.

:lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol:

-PB

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.
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Yeah, I'm with Stiffy. Not sure I agree on the exact method, but generally speaking, I like the sentiment.
The only issue there is that they'll all claim eating disorders.

obesity is a serious epidemic in this country

given we're now at war and about to go to more wars its time we whipped the citizens into shape

I've thought about this previously, I think their doctor should declare ppl as obese by law. from there the obese ppl must enter a commonwealth funded weight loss/ exercise program, and if they fail to meet the goals and requirements they are immediately refused medicare until they are declared fit and have a normal weight by a doctor

ultimately your everyday rewards card data will be used in the risk assessment of insurance companies

dont think that that data wont get shared

A comprehensive and reliable health insurance can ease part of your tension associated with falling ill or getting hospitalized. In order to understand your health care coverage, you must first be able to identify what type of health plan you may need.




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Rubbish.

Unhealthy people typically need far more frequent and more expensive medical intervention, even when their shorter lifespans are factored in.

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.

Alternatively, instead of complaining about the price of a salad at a university tuck shop you could go to woolies and buy one of their pre-prep salads for half the price of a tuck shop burger.

Yep. The meal deal at Hungry's is $5 for a burger, fries, drink and a sundae.

It's $7 for a sanga.

No wonder all these bogans are the size of houses.

That and the fact processed food is 30% more calorific than it was 20 years ago.

Because it's cheaper.

If I'm a Uni student, on a tight budget, and there's a Burger, fries and 600ml coke for $8.00, or a Salad & a bottle of water for $12.00, the majority will go for the cheaper option every time.

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.

Cast, sling, pain relief and send home. Review in a fracture clinic in a week or two with specialists

Occasionally we can reduce (put them back into place with some force) under a sedation and send home with a cast.

Bad fractures often need surgery and hospitalisation, but are far less common.

This, and it doesn't mean you have to buy burgers just because they're cheaper.

Everything on the Internet is true.

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

-PB

Opened this thread keen to read Joffa's opinion.

Disappointed.

That may be so but my point is if you are going to hit up fat bastards then, if you want to be fair, you need to hit up all these other blokes.

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.

Yes and no.

Go down to your local shopping centre and have a look around. The single biggest indicator of fat children is fat parents. Those poor kids are fat through a random act of the universe, that is, having been born to fat, likely low socio-economic, parents.

And once you're a fat kid statistics show you're likely to be a fat adult.

Irrespective of that my point is that if insurance companies start looking at fat people it won't be long before they're looking at your genome. And you'll be squealing like a stuck pig if you're the one knocked back because of some "determined" risk factor which may not even affect you in the future.

Besides any of that. What about blokes heavily into sport? I'm still very active and as such I'm far more likely to end up in a hospital ward with a knee recon or a broken arm or some other injury then some fat bastard playing world of warcraft on his PC.

I think fat people are borderline pathetic with a lack of self respect but I recognise that not all of them are going to be a drain on the health system or for that matter more of a drain on the health system than some other blokes.

If you're going to add a premium for fat people, and you want to be fair, don't forget these high risk drains on the health system;

smokers
mountain bikers
AFL'ers (weekend warriors)
NRL'ers types (weekend warriors)
Soccer players (weekend warriors)
rock climbers
motorcyclists
trail bike riders
drunks that end up in emergency wards
lawn bowlers
skiers and snowboarders
boaties
surfers
skaters
etc..
etc..
etc..

All of them clogging emergency wards every single weekend.

And as for smokers, disgusting habit that it is, don't forget that smokers, on average, die years before non-smokers, saving the taxpayer untold millions from living an extended life in hospitals, aged care facilities and on the pension.

As is usual the premise is an oversimplification of the actual situation.

But we're not talking about genetic diseases, being fat is a choice that you willingly undertake.

Health insurance is basically you betting a company that something bad is going to happen to you. They're going to look at a fat person and go "no bet".

Careful what you wish for.

Once they work out which combinations of genes cause which diseases (or raise the risk of getting them) it could be you that's refused or offered an extremely high health insurance premium based on the higher risk you present.

You could be the healthiest bloke on the block but if your grandad died of a hearty 40 years ago and those markers pop up in your genome well, you do the math.

you're confusing a Bogan stereotype with a Dickhead. Whilst Bogans are dickheads, not all dickheads are bogans.

BMI is pretty much useless in reality, but insurance companies do use it anyway to determine risk. I’ve worked in the industry before, and remember a 110kg semi-pro baseballer who was considered ‘overweight’ but obviously many times fitter than the average person within the ‘healthy’ BMI range.

Another thing this ignores is that a lot of people within ‘healthy’ BMI ranges live unhealthy lifestyles, so it’s impossible to just tax fatties willy nilly, or at least fairly anyway. That said, fat people will generally be unhealthier and a few simple medical tests would confirm whether or not someone presents a high insurance risk.