[myroon5]

Discounting from higher default prices rather than penalizing from lower default prices is more of a branding difference than an economic difference:

https://news.ycombinator.com/item?id=47952034

[timbaboon]

Yeah but in South Africa medical aid rates are regulated by the government and all companies have to stick with that rate. The idea is that if you keep your customers healthy then there are fewer claims.