For example, life major medical companies may require higher premiums or deny coverage altogether to people who daily grind in hazardous occupations or engage in dangerous sports. Liability group medical insurance providers do not provide coverage for liability arising from intentional torts committed by the insured. Even if a provider were so irrational as to fondness to provide such coverage, it is against the public policy of most countries to allow such guarantee to exist, and thus it is mainly illegal.
A recent example of a latest allowance product that is patented is telematic auto insurance. It was independently invented and patented by a major U.S. auto insurance company, Progressive Auto Managed Care (U.S. Patent Hole In One Coverage 5,797,134 ) and a Spanish independent inventor, Salvador Minguijon Perez (EP patent 0700009).