> Chris, can you say more about the criteria your group uses to accept its
> low-risk members?

Basically, the idea is to have a health-conscious lifestyle.  This can be
assessed on a heuristical basis.  It is fostered by the insurance's member
magazine with good insider advice, which other "health" insurances don't
bother to provide to their members (what a clever way of "saving" money!).

Chris




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