Good time to bug your MP

[Robinho]

I'm enjoying these brain teasers.

But Benjy was born with Down's syndrome (the kind with significant intellectual impariment) and unable to find a job. What now?

I still condone incapacity benefits. (which doesn't cover people who are too lazy to find a job)

How certain are you that it would?

No idea, it is a possibility though.

Then it is not insurance if it is to cover an existing condition.

Yes it is. There are just limitations on the things you discriminate on. I would distinguish between innate (ie born with) and pre-existing conditions (ie i didn't bother having insurance for 50 years and now i'm having a heart attack and i want to buy your insurance) too.

If insurers all have to cover existing conditions, then effectively you are forcing the fit to pay to cover others.

You're not forcing the fit to do anything, nobody has to take insurance.

This is a stealth tax. Won't people avoid it by using insurers based in offshore tax havens, that are not covered by these regulations?

You can have additional regulations to to enforce foreign competitors comply to the same regulations, unfortunate that regulations lead to more regulations but so be it. You know in the US you can't even shop across state lines.

Shouldn't you fund the additional costs of covering people who at 18 have a pre-existing condition or a pre-disposition to a condition via the Land Tax?

Again i would distinguish between innate and pre-existing conditions. Actually the state covering innate conditions but not pre-existing conditions is not a bad idea actually. Thanks for the suggestion.

[speling bee]

I'm enjoying these brain teasers.



I still condone incapacity benefits. (which doesn't cover people who are too lazy to find a job)



No idea, it is a possibility though.



Yes it is. There are just limitations on the things you discriminate on. I would distinguish between innate (ie born with) and pre-existing conditions (ie i didn't bother having insurance for 50 years and now i'm having a heart attack and i want to buy your insurance) too.



You're not forcing the fit to do anything, nobody has to take insurance.



You can have additional regulations to to enforce foreign competitors comply to the same regulations, unfortunate that regulations lead to more regulations but so be it. You know in the US you can't even shop across state lines.



Again i would distinguish between innate and pre-existing conditions. Actually the state covering innate conditions but not pre-existing conditions is not a bad idea actually. Thanks for the suggestion.

So you are lumping the cost of congenital conditions onto those without congenital conditions who take health insurance. Where is the economic sense in that? You said 'Survival of the fittest'. What happened to that?

And explain to me how your regulation will stop me from taking insurance with a provider in an offshore tax haven who does not have to cover the costs of those with congenital conditions. And also explain why you should interfere so with the free market.

And look up insurance if you think it is possible to insure against a certain event, such as needing haemodialysis in two days time.

[d000hg]

Yes Robby has the tenacity that can only be shown by a completely thick, bone-headed, moron.
I'm beginning to feel sorry for him now, Speling Bee has completely destroyed any shred of credibility he had left.

It's pretty humiliating to suffer such a blow at sb's hands, of all people.

[speling bee]

It's pretty humiliating to suffer such a blow at sb's hands, of all people.

Agreed. I'm not too bright so I have to pick my targets carefully.

[Robinho]

So you are lumping the cost of congenital conditions onto those without congenital conditions who take health insurance. Where is the economic sense in that?

This is pretty much what happens with insurance you know. People who don't make claims subsidise people that do. Otherwise it wouldn't be insurance you would just be paying for things yourself.

And explain to me how your regulation will stop me from taking insurance with a provider in an offshore tax haven who does not have to cover the costs of those with congenital conditions. And also explain why you should interfere so with the free market.

That's probably one of the easiest regulations to implement.

And look up insurance if you think it is possible to insure against a certain event, such as needing haemodialysis in two days time.

I'm not sure what this is in reference to?

[speling bee]

Robby, I'm off to the loving embrace of my family now, so while I'm away, as well as clearing up this little private healthcare pickle, could you clarify:

• Why council tax is retained but business rates scrap.
• Why you won't introduce a dog licence to ensure that the externalities involved in dog ownership are not imposed on non-dog owning land tax payers.
• What the public good is in the state no longer auctioning off the airwaves for broadcasting, 4G etc.
• What the impact will be on the economy of lost productivitiy caused by the scrapping of alcohol and tax duties.
• What the impact will be on criminal justice of scrapping fines and fixed penalty notices.
• How privatisations will be managed when you have discounted this as a way or raising income for the state.

[Robinho]

Agreed. I'm not too bright so I have to pick my targets carefully.

You're not bad actually bee.

I'd put you way above Mitch, d000gh, doodab, scoobus, tractor and a few others. These people are genuinely thick and argue like little girls.

sas strikes me as someone who is fairly on-the-ball. His major problems is he is an angry, narrow-minded, bigoted old man rocking back and forth in his rocking chair waving his walking stick and muttering inaudible insults.

[speling bee]

This is pretty much what happens with insurance you know. People who don't make claims subsidise people that do. Otherwise it wouldn't be insurance you would just be paying for things yourself.

Based on risk assessment. Some houses are uninsurable.

[speling bee]

You're not bad actually bee.

I'd put you way above Mitch, d000gh, doodab, scoobus, tractor and a few others. These people are genuinely thick and argue like little girls.

sas strikes me as someone who is fairly on-the-ball. His major problems is he is an angry, narrow-minded, bigoted old man rocking back and forth in his rocking chair waving his walking stick and muttering inaudible insults.

No. I have an IQ of 85.

[Robinho]

Based on risk assessment. Some houses are uninsurable.

Yes it could still possibly be based on risk assessment to a large degree just with some restrictions on innate conditions.

For example i believe the EUssr are bringing in or have brought in a regulation where you can't discriminate car insurance premiums on gender (something i would be against incidently). They can still assess risk on other factors though.