[fileeditview]

It never is a problem until it is. Insurance companies in Germany are also not benevolent. If there is a case where they do not have to pay they won't. If they can use data to save money they will do it, even if it worsens your conditions.

[snowpid]

" Insurance companies in Germany are also not benevolent. " You know, that the leaders of public insuarances are voted by the customers.

[wirrbel]

Not all public insurances perform these elections but some, e.g. Barmer GEK, Techniker Krankenkasse, DAK-Gesundheit, Kaufmännische Krankenkasse – KKH, Handelskrankenkasse und BKK RWE and I think also AOK.

[angra_mainyu]

One might argue that the free market is consumer-driven voting.

[ahartmetz]

It doesn't feel adversarial as a customer. Never did for me, never heard it from others. They aren't even regular companies - they have a special legal status. Private insurance, which is also available, is different.