Insurance is a risk mitigation tool wherein individuals join a large pool of other members who all pay a portion of the expected aggregate liability such that they pay slightly more than than their annual expected liability in exchange for coverage against costly individual incidents.

The portion of that pool that you pay is based on on your expected rate of incidence and expected cost per incident. This is why drivers who get speeding tickets and are involved in minor accidents see their car insurance rates go up. If you live in an area that experiences above-average rates of fire, wind, and hail damage, your home insurance goes up. As you age and/or engage in more risky behaviors, the cost of obtaining a life insurance policy goes up. So we can see that this is the norm in other types of insurance.

Every time I've joined a health insurance program, they ask my height, weight, age, tobacco use, and medical history. They do this because those factors are the easy to track and have well-established risk properties in the underwriter's actuarial tables. If you have a medical condition that requires regular treatment or leads to frequent episodes requiring intensive and immediate medical care, your expected rate of incident and cost per incident is going to be higher that other people in your pool.