In Australia discrimination may be unlawful if it pertains to:
<span style="color:#323232;">age
</span><span style="color:#323232;">disability, or
</span><span style="color:#323232;">race, including colour, national or ethnic origin or immigrant status
</span><span style="color:#323232;">sex, pregnancy, marital or relationship status, family responsibilities or breastfeeding
</span><span style="color:#323232;">sexual orientation, gender identity or intersex status.
</span>
religion, political opinion, national extraction, nationality, social origin, medical record, criminal record or trade union activity.
The kicker here is - insurance companies are allowed to – that’s how their business works.