You're right. The parent comment is explaining only the actuarial risk model of insurance schemes, which is not the same as raising rates on a customer for makn

You're right. The parent comment is explaining only the actuarial risk model of insurance schemes, which is not the same as raising rates on a customer for makng a claim, even when his/her risk profile is unchanged. The purpose is clearly to discourage you from making a claim, which is what makes insurance a legal scam.