Yes, I hadn’t thought about that. (And there’s no obvious way of proving that you’re using contraception to the insurance company, so you can’t even have a policy that pays only if you are.)
(Not sure about “generally wanted”, though: I guess that, among the people who are having sex today (in the developed world at least) the fraction who are trying to have a baby is much less than 1.)
EDIT: Maybe it could work if restricted to demographics who wouldn’t normally want a child (say, unmarried, below a certain age, and with income below a certain threshold) -- though the premiums mustn’t be so large that people would want to get pregnant only for the money.
Not sure about “generally wanted”, though: I guess that, among the people who are having sex today (in the developed world at least) the fraction who are trying to have a baby is much less than 1.)
Poor phrasing on my part, will fix. I meant that people who get pregnant and give birth (while having the options to use contraceptives and to abort) generally want to raise a child. Not that people in general want to raise one.
Maybe it could work if restricted to demographics who wouldn’t normally want a child
This depends on the availability, cost and effectiveness of preventatives and abortions: if they’re good enough, you don’t need to pay for pregnancy insurance, since they will prevent or abort the pregnancy.
In practice, since I haven’t heard of such insurance policies, I expect that they are indeed cheap and effective enough.
Yes, I hadn’t thought about that. (And there’s no obvious way of proving that you’re using contraception to the insurance company, so you can’t even have a policy that pays only if you are.)
(Not sure about “generally wanted”, though: I guess that, among the people who are having sex today (in the developed world at least) the fraction who are trying to have a baby is much less than 1.)
EDIT: Maybe it could work if restricted to demographics who wouldn’t normally want a child (say, unmarried, below a certain age, and with income below a certain threshold) -- though the premiums mustn’t be so large that people would want to get pregnant only for the money.
Poor phrasing on my part, will fix. I meant that people who get pregnant and give birth (while having the options to use contraceptives and to abort) generally want to raise a child. Not that people in general want to raise one.
This depends on the availability, cost and effectiveness of preventatives and abortions: if they’re good enough, you don’t need to pay for pregnancy insurance, since they will prevent or abort the pregnancy.
In practice, since I haven’t heard of such insurance policies, I expect that they are indeed cheap and effective enough.