Hm I wonder why would a health insurance company do this.
Dont they consider bike riding a risk-factor while purchasing the insurance in case you do ride a bike on a regular basis. Because if you crash , they are the ones who will have to pay up for medical costs etc.
I would understand if a bicycle insurance company, such as, lets say Markel or Velosurance or any other would do this , but a health insurance company?
Something does not add up here for me. Are there any underwater stones to be aware of?