For a good while now, insurance companies have told us they price ‘risk‘.
In practice, what they actually, is to price people out of protection. And they do this, from the very moment we are born.
Thus, a childhood marked ‘high risk’ becomes a lifetime marked poorer, harder and narrower.
But make no mistake; this is not acturial science – it’s intentional social engineering.
The Problem; Plain and Furious
To use my own story as an example;
when my sister was born, my parents could buy insurance for her.
They could however, not buy it for me; I was ‘too high risk’.
My parents were simply told that I was slightly too fat at my current stage of growth, (I was 8) and struggled with some genetic-issues related to my family.
So, even as my family had the fund to insure me, the company blankly refused.
Many years later, one of my friends who share a similar epileptic-story to myself, ended up recieving nearly 1 million NOK after becoming partially disabled; money he recieved due to his childhood insurance, and which has severely helped him move forward in harsher times.
Since I didn’t get approved for insurance, I’ve recieved nothing.
Now, don’t get me wrong, I am exceedingly happy for my friend, that’s not the point I want to make.
Instead, what makes me furious is knowing that the system is made this way,
by design. And this design is what makes our outcomes so different.
That in itself is not just unfair, it’s also discriminatory.
And it seems to happen quite often in places that like to call themselves ‘fair’.
How Child Insurance Actually Works (and Why It Hurts)
When Insurance underwriters gets an application for child-insurances, they assess the risk each child may potentially bring to the company further down the line, and then either:
- Accept the application with standard coverage (children who are healthy and unlikely to need insurance).
- accept the application with reservations/ exclusions, (children with the likelyhood of X and Y happening due to certain issues, will recieve coverage for anything except that which is likely to happen).
or they, - reject the application entirely (the otherwise healthy child has physical/mental/genetic something that may cause issues in adulthood,. Thus insurance companies manages to sleek away from those who need their help the most. Hooray!
In Norway, a small but notable share of child-insurance applications recieve reservations; a smaller share are simply refused. Policy managers admit that common triggers for reservations include things like: allergies, asthma and eczema – and that about 1% of applications are refused outright.
And this is not a theoretical loophole, but rather a documented practice;
3 May 2018.
– Ifølge fagsjefen Espen Paulsen i Storebrand Forsikring er det 5% av barn det søkes forsikring for som får reservasjon og rundt 1% som får avslag.
(https://www.klikk.no/foreldre/barn/barnehelse/unntak-i-barneforsikring-3757069?)
What this means, in real terms is: some children are allowed the social safety net of insurance, while others – often those with congenial differences, early developmental signs, or genetic markers, aka those who need it the most, are not.
Newspapers have repeatedly told stories of children denied coverage, despite being otherwise healthy, and of parents left to fight insurers and their sleezy system.
As mentioned in Aftenposten on the 12 of May 2020;
«Barneforsikringer er for friske barn, de som trenger forsikringen minst av alle».
(https://www.aftenposten.no/foreldreliv/i/b58Er3/norsk-barnelegeforening-reagerer-paa-markedsfoering-av-barneforsikringer-spiller-paa-usikkerhet-og-frykt-hos-foreldre-i-en-saarbar-startfase?)
Furthermore, from a public health and ethics standpoint, the practice is not only bluntly uncomfortable – but studies in public health argue that underwriting by health risk raises serious ethical concerns in welfare societies meant to share risk fairly.
Because, when private insurance draws sharp lines at the very start of life, the result it predictable: inequality becomes embedded – not corrected, as illustated by M. Ospelt at Springer Nature (2024) in a systemic review exploring insurance, legal-and financial hardships connected to childhood- and adolescent cancer. (https://link.springer.com/article/10.1007/s11764-024-01710-3?)
Real Cases = Real Consequences
Several journalistic investigations and reports on the matter, show a multitude of heartbreaking examples: healthy children refused cover because of recorded learning difficulty (you know, things that often settles with age); children denied because of gender identity (one of the highest reasons for child-suicide); families who’ve had to take legal steps to challenge denials.
And these cases are not anomalities, they are signals of a rotten system;
«Frisk 12-åring ble nektet forsikring.
En 12 år gammel jente fikk avslag i Sparebank 1 da foreldrene ville kjøpe barneforsikring. Begrunnelsen var at barnet hadde lærevansker».
(https://www.aftenposten.no/norge/i/Xq867/frisk-12-aaring-ble-nektet-forsikring?).
Furthermore, Norwegian ‘ombudsman’ rulings also reflect this tension, as certain decisions have found that automatic denial to children with diagnosed conditions – such as Asperger’s syndrome, places them in an even worse position, despite the legal line being both complicated and inconsistent.
For families the result is simply uncertanty, expense and often no remedy.
(https://ldo.no/arkiv/klagesaker/2016-funksjonsevne-1412-avslag-pa-uforeforsikring-ikke-diskriminerende/?).
Why This Deepens the Disability -> Poverty Trap
Take a few seconds, and think through the math of a life: a child who recieves insurance can, when disability or severe illness hits, access compensation for care, adaption and lost family income. On the other hand, a child denied coverage faces one of two futures: full dependence on public benefits (which are often stingy, beaurocratic andhighly stigmatized!) – or end up in catastrophic amounts of debt.
Either way the child who was «uninsurable» at 8, becomes an adult at a structural disadvantage.
That difference – paid out in NOK, paperwork and lost opportunities – ripples across education, work capacity, mental health, and even mortality. It’s created a quiet class divide where genetics, medical history, and early development determines economic safety during adulthood!
The Ugly Logic: «It’s Just Business!»
The insurance industry will say something like «we price risk; we must remain solvent.» While this is tecnically true, policy design is not morally neutral. A society that allows private underwriters to remove children from shared protection, is one that outsources care of its most vulnerable to market whims – and then wonders why inequality deepens.
And in countries like Norway, where (I’d say most) cases of childhood overweightness, or developmental differences are genetically or medically driven-(not socioeconomic), blanket underwriting rules that penalize «risk» are especially cruel, and often irrelevant to the true cause.
Parents who’ve then tried to insure healthy children, have had to fight denials and public battles – demonstrating that it isn’t just «acturial math», but intentional social exclusion:
Barna ingen vil forsikre. [….].
Barn som allerede er syke, eller som har en åpenbar risiko for å utvikle en kjent sykdom, vil få avslag.
(https://www.vg.no/dinepenger/sparing-og-investering/i/aPgoB5/barneforsikring-barna-ingen-vil-forsikre).
A Practical Illustration
As mentioned earlier in the post, around 5% of child-insurance applications may recieve reservations; and roughly 1% gets completely rejected. Despite being a small fraction, this still represents thousands of families each year, who must either accept part of the family’s exclusions from societal protection, or go withouth coverage. The emotional, economic and practical burden here is massive.
Some families have publicly reported refusals that appear to be based on identity or non-medical labels (e.g., gender identity) or on administrative categorizations, rather than a clear medical rationale
– a trend that has provoked public criticism and legal complaints:
Barn fikk avslag på forsikring […]. Begrunnelse: Barnet er kjønnsinkongruent.
(https://www.vg.no/nyheter/i/eJvjQM/barn-fikk-avslag-paa-forsikring-begrunnelse-kjoennsidentitet).
What Could Be Done (and What We Should Demand)
1. Regulate exclusions more strictly: Policymakers must reduce the leevay insurers have to reject or exclude children for congenial or developmental makers.
2. Transparancy in underwriting: Insurers shouls be required to provide clear, public explanations for denials and the exact evidence used.
3. Public alternatives or reinsurance: If private markets refuse, the state should step in with affordable non-discriminatory coverage options (to reinsure child policies so that risk is shared).
4. Ban genetic/ identity-based exclusion: Much like other countries do for certain insurance types, we should prevent decisions solely based on genetic markers or identity categories (Note: US GINA law forbids genetic discrimination in health/ employment contexts – Norway currently lacks a similar broad shield for private insurance).
(https://www.facingourrisk.org/blog/protections-against-genetic-discrimination-vs-pre-existing-conditions).
Devestating Two-Tier Society
If we allow insurers to create «insurable children» and «uninsurable children» we are choosing – like I’ve mentioned before, a class system by proxy. We are deciding, in spreadsheets and refusal letters, whose families will be forced intoo poverty when sickness or disability comes, and who will survive with their head held high, due to family-wealth/ parental contacts.
And that is not insurance companies protecting ‘risk‘ – its protecting privilige!
So, if you are a parent reading this: demand answers!
If you are a policymaker: first off, opt for better morals! Make the market serve society -not the other way around.
And lastly, if you are an insurer: rethink whether your profit model should include excluding children from basic economic dignity.
The last thing I wish to add is this,
despite my lack of insurance, I still count myself as one of the luckey ones! I have a family that supports me – that I support back, I have a place to live, food to eat, a place to train under supervision, and a wakable path to my doctor(s).
I am not writing this to nag about my own situation – I am writing this for those way worse off than me. They exist – en mass!
And when you in such a situation has to accept that some people will get a payout, while others in a similar situation wont, that will never feel fair.
And until we stop letting insurance companies define who is worthy of protection, nothing about that will change.
– Silje






