People can develop allergies during their lifetime, it's not just something that you're born with. There's also ongoing studies trying to desensitise people's allergies so that they can deal with foods more easily. So a person's allergy status can and does change during their lifetime.
But my message was about the general principle of insurance being the very thing your comment was against. The situation where the vast majority of people pay some cost of which only a few need to utilise.
But my message was about the general principle of insurance being the very thing your comment was against. The situation where the vast majority of people pay some cost of which only a few need to utilise.