Yes. Yes they are. "However, a report by a major society of actuaries discloses that it was able to obtain 13 years of hospital data – covering 47 million pati

Yes. Yes they are. "However, a report by a major society of actuaries discloses that it was able to obtain 13 years of hospital data – covering 47 million patients – in order to help insurance companies “refine” their premiums. The report by the Institute and Faculty of Actuaries details how it was able to use NHS data covering all hospital in-patient stays between 1997 and 2010 to track the medical histories of patients, identified by date of birth and postcode. The 274-page report describes the NHS Hospital Episode Statistics as a “valuable data source in developing pricing assumptions for 'critical illness’ cover.” There is a point where your denial is farcical and where farcical is fallacious.