Insurers might be willing to provide coverage when they trust a diagnosis or probability estimate of a person's condition; without shared information, the patient alone may know the relevant risk.

“you were able to in the case you mentioned have good diagnosis of whether someone has it or what the probability is that someone has it that the insurers trust then they might be willing to insure it but if they don't if there's no kind of common information then they only the patient”

“know and that”