And, not all lung cancer is caused by smoking. And, not all cirrhosis is caused by alcohol. And, crappy diet as defined by whom? I don't like being penalized for others' bad habits, and neither do I like paying higher property insurance because a tornado hit my town 4 years ago. Nowhere close to my house, either. The insurance is based on a perfect scenario and boy, would I be ticked, if I payed higher premiums and Mr. Clean Living comes up with an aardvark disease that used up more benefits than my smoking, drinking, and fat eating self would ever use up.
It all comes down to probabilities. If you voluntarily engage in risky behavior or voluntarily live in a dangerous area, you should expect to pay more in insurance as their is a higher probability that the insurance company will be paying a claim on you.