It’s the same sort of logic that US health insurers traditionally used to deny claims for cancer treatment because, for instance, the person had failed to disclose that they’d previously had, say (real example), a yeast infection. Any irrelevant information, no matter how minor, gets used as evidence of a failure of disclosure that invalidates the policy. It’s very convenient for insurers because anything can be used this way, and it either allows them to deny the insurance if disclosed, or deny claims if not. They prefer the second situation, for obvious reasons.
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