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By Swiss Re
Private insurance relies upon the use of objective, relevent and reliable data for insurance pricing prurposes.This enables insurers to consider differences between risks in a way that is fair to consumers and insurers.
Impairments to the commercial freedom of insurers to price and underwrite will most likely result in higher insurance prices - and therefore lower availability, afforadability and choice for consumers. It is important that governments and regulators consider this as they seek to increase industry regulation and legislation, especially in relation to the issues of discrimination, privacy and entitlement.
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