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Why would health insurance be dependent on the medical history of one's immediate family (or more)? Do health insurance companies think they are trying to crack down or identify potential cases of health insurance fraud? Or if one of the family has a contagious disease then health insurance companies might claim that they will not cover a client for that illness?
<snip>.
In the case I was involved with, the family history for the conditions specified was quite irrelevant (it was not 'risk assessment' as my GP explained to me) - as were many of the questions. It was one, generic health questionnaire which you fill out in its entirety regardless of policy and the insurer then picked out the bits relevant to the policy being sought.
That's what I found it so objectionable - a broad net covering everything (if you are truthful), and kept on their file, for their convenience, and not very securely, at that!