"Leon" wrote in message
The very simple solution is that the insurance company requires the
customer
to have regular scheduled check ups on his dime. Kinda like auto
insurance
companies giving you better rates if you take defensive driving courses
and
avoid tickets by obeying traffic laws.

Sorry, can't agree with that view. Some people who are not in perfect health
even though it may not be their fault, have to pay through the nose. You can
be smart, educated and do everything in your power to take care of yourself
and still be terribly ill.

Unlike your defensive driving courses where proper driving etiquette can be
learned, some people can't avoid the ill health the plagues them.