Discrimination in the Field of Life and Health Insurance

Due to the principle of risk pooling exercised by life and health insurers, the latter have the right to select and segment the risks they cover. While this legitimate approach on principle protects them from penal proceedings related to discrimination based on health status, it can now be observed that the imperatives of public solidarity or, respectively, the requirement to furnish justifications relevant to the differentiated treatment of insured persons produce more and more numerous exceptions to the above-mentioned rule.