Question

Suppose an employer gives employees an insurance discount based on number of hours of physical fitness activities. Who benefits from the program? Who is harmed? Is this ethical?

Suppose an employer charges all employees the same premium, regardless of their health habits, Who benefits? Who is harmed? Is this ethical?

Answer 1

When an employer gives the employees insurance discounts based on number of hours if physical fitness activities the one who benefits from the programs is the employer and the ones who are harmed are the employees. This is because many people might not have capacity to do all the programs and the employees have age gaps which might not allow some to do fitness activities. The activities they do might not be related to the stress they take during work . Hence this is not only harmful but also unethical to relate discounts and fitness activities.

When an employer charges same premium regardless of health habits it is beneficial to the employer and employee. It provides full premium to the employee and any sudden health problems can also be covered as health will not be the same always. This also makes everyone in the company equal and gives equal rights and benefits to everyone which is also ethical.