Same in The Netherlands, and you don't pay out of pocket for those either in most cases. It also makes a lot of sense for an insurer if you think about it: peop

Same in The Netherlands, and you don't pay out of pocket for those either in most cases. It also makes a lot of sense for an insurer if you think about it: people that are able to sense their surroundings reasonably well might be less likely to get into accidents causing that to then cost a lot of money. From an ethics standpoint it also makes sense to be in a society that aims to give people a good standard of living. Someone slowly loses the ability to listen to music for example might have a harder time enjoying life if music was an important part for them, that might cause various forms of distress which can turn into 'expensive' treatment for that. Some people argue that ethics have nothing to do with it, but if that were the case, highly expensive insurances would be mandatory, and payouts would be zero since business-wise that makes a lot of money without being ethically encumbered.