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Nick Starling: In insurance, some risks are extremely difficult to price. As you say, if you have a terminal illness that might be one such risk in terms of life or health insurance when travelling abroad. Having said that, there are specialist providers that cover such risks or provide insurance that manages them. If you did not have that ability to manage risks, in some circumstances insurance would be almost impossible to buy across the piece.
In effect, if you have a disability, such as being wheelchair-bound, the risk is that the insurers price will be associated only with things such as special modifications to a vehicle and will not otherwise affect the way in which insurance is provided.