What is the stance on unfair discrimination in insurance?

The stance on unfair discrimination in insurance emphasizes that it is not permitted based on certain characteristics, including physical handicap. This aligns with the principles of fairness and equal treatment in the insurance industry, which is regulated to prevent insurers from making decisions that unfairly disadvantage individuals based on factors beyond their control.

This protection seeks to ensure that individuals with physical handicaps are not discriminated against when they seek insurance coverage. Laws and regulations exist to uphold the rights of these individuals, making it illegal for insurers to use disability as a basis for denying coverage, setting higher premiums, or providing inferior policy terms. The intent is to promote inclusivity and ensure equal access to insurance products.

In the context of the other options, permitting discrimination based on past claims or encouraging it to minimize risk goes against the ethos of the insurance practice, which aims to protect all individuals fairly. Justifying discrimination under specific circumstances again contradicts the established legal protections aimed at preventing discrimination against vulnerable groups, including those with physical disabilities.