It depends on the policy you signed. For most insurance, you are entering into a private contract with someone to pay for your stuff if it breaks. How they enfo

It depends on the policy you signed. For most insurance, you are entering into a private contract with someone to pay for your stuff if it breaks. How they enforce their policy is mostly between them, you, and how much you want to pay a month. For the most part though, insurers don't actually have too much incentive to create false positives. Increasing your rates for life insurance or cancelling your policy because you ate a burger when they already have your cholesterol information is really dumb and bad for business.