Personally, I would suspect that while the individuals selected may be random, they may be within a high-risk subscriber population for certain conditions (age, smoker, drinker, over-weight, family medical history, own medical history, claim pattern, profession, etc, etc) Please don't respond one way or the other to my suspicions so we don't engage in a medical discussion.
Maybe have a think about the following -
- What are the potential benefits for you of accepting their offer? e.g.
- Early detection of certain conditions
- early and less invasive treatments
- potentially better treatment outcomes
- better health and life-style planning long-term
- etc...
- What, if any, are the potential downsides for you of accepting their offer?
- What, if any, are the potential benefits or downsides for you of refusing their offer?
- What are the potential benefits and downsides for the insurance company of you refusing their offer?
While they are a health insurer, they are an
insurance company and they will have their tower-block of actuaries whose job is ensure that the company recognises at-risk / high-claim clients and targets them in some way to ensure the company survives and grows.
Beware insurance companies (or other financial institutions) bearing free gifts; it's likely there's more in it for them than for you, IMHO.