Unavailability of insurance for vulnerable groups

Name(s): 
Insurance discrimination against high risk cases
Uninsurable underclass
Active prejudice towards the needy by insurance companies
Prejudicial treatment of the poor by insurers
Nature 
As a result of an increasing number of claims, especially those associated with disasters, insurance companies are increasingly selective in the groups to which they are prepared to offer coverage. Individuals with recent claims may find it difficult to obtain new coverage, including those who have been the victims of crimes such as burglaries. Corporations manufacturing toxic chemicals may also be refused coverage or required to negotiate separate contracts.
Incidence 
In Malawi, a leading insurance company withdrew from the market for life insurance when the government banned AIDS test on applicants seeking cover. Here, as across Africa, AIDS-related claims have multiplied five to twenty-five fold between the mid 1980s and early 1990s, and look rise uncontrollably through the 1990s. Adult life expectancy in sub-Saharan Africa is predicted to fall to 47 years by 2000, compared with 62 without the AIDS factor.
Counter-claim 
There is no point in insurance companies taking on losses that mean premiums have to go up for everyone.
Broader 
Unethical insurance practices
Discrimination against the poor
Lack of protection for the vulnerable
Narrower 
Denial of health insurance to genetic groups
Denial of adequate medical care to skilled labour
Related 
Denial of danger
Aggravates 
Denial of rights to vulnerable groups
Aggravated by 
Social outcasts
Lack of health insurances
Prohibitive cost of insurance
Acquired human immunodeficiency syndrome
Social implications of chronic terminal illness
Strategy(ies) 
Guaranteeing insurance provisions
Insuring health
Foetal protection strategies
Insuring against critical illness
Type 
(E) Emanations of other problems