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Explanation:

Discrimination is regularly practiced by insurance companies and it's quite necessary. Before going further, let's make an important distinction. Insurance companies must practice fair discrimination. Discrimination refers to making choices and the practice makes sense as long as the choices are not unfair.

Unfair Discrimination

Unfair discrimination takes place whenever a choice revolves around a distinction that is irrelevant to offering insurance coverage. An example of this is to deny coverage based upon an arbitrary difference such as race or religion.

Fair Discrimination

Insurers are constantly involved in discriminating. They continuously evaluate situations to see if they are in a position to offer insurance coverage. Companies note differences and make choices among their insurance applicants. This process is important because insurance programs are designed using justifiable distinctions regarding the type of persons, property and situations they wish to cover.

The Fair and Unfair Discrimination tends to differ on one important point, which is about the social rights of a person is affected with the discrimination.

The Fair and Unfair Discrimination

The negative discrimination or unfair discrimination happens when the discrimination is done because of the person's social, economical, racial and Gender status. For example In US during early years of 20th century Black People and Women were not allowed to vote.

The Positive Discrimination or The Fair Discrimination happens when it is established that a particular community that could be related to their gender, or social status, or racial status is not given enough opportunity to develop. In that moment Government gave them economical, or political powers to develop their community. For example US government provide free healthcare to those who cannot afford healthcare service.

Learn More about Discriminations here:

https://brainly.com/question/1084594

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