Frankly I don't blame insurance companies for looking at as much info about you as they can. The only way they can improve business is by more accurately predicting incidents, which is done by examining more metrics and making better models.
Nobody has a problem with this when it comes to auto insurance; you have a lot of tickets, you get high rates. You have too many tickets, they won't insure you. Why is it so different to give higher rates or refuse coverage to someone who treats their body like crap, when their body is what's being insured?
Sorry I'm so late in replying to your comment. The issue here is how the insurance companies obtain that information. I think the analogy would be if auto insurance companies determined their rates using data from your cell phone provider as to how fast and where you drive. And, especially, if they were to do so without your knowledge.
Nobody has a problem with this when it comes to auto insurance; you have a lot of tickets, you get high rates. You have too many tickets, they won't insure you. Why is it so different to give higher rates or refuse coverage to someone who treats their body like crap, when their body is what's being insured?