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Because of adverse selection, insurance companies employ medical underwriting, using a patient's medical history to screen out those whose pre-existing medical conditions pose too great a risk for
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The most common risks that are covered by travel insurance are:
Cancellation
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Loss, theft or damage to personal possessions and money (including travel documents)
Delayed baggage (and emergency replacement of essential items)
Medical expenses
Emergency evacuation/repatriation
Overseas funeral expenses
Accidental death, injury or disablement benefit
Legal assistance
Personal liability and rental car damage excess
Some travel policies will also provide cover for additional costs, although these vary widely between providers.
And in addition, often separate insurance can be purchased for specific costs such as:
high risk sports (e.g. Such countermeasures effectively remove any chance of gaining an advantage from card counting in
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To try to prevent exploits like this, the casinos monitor the performance of their wheels, and rebalance and realign them regularly to try to keep the result of the spins as random as possible.
More recently Thomas Bass, in his book The Eudaemonic Pie 1991 (published as The Newtonian Casino in Britain), has claimed to be able to predict wheel performance in real time
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