Hi Switchboard,
My point is that most insurance companies deem things like Skiing, Scuba diving etc as extreme sports and hence require separate cover.
API should not cover things like this as it is your personal choice, when an ever increasing list which you say comes from medical experts, declines to cover diseases which aren't.
As you say you ski, that is your choice and your right, but why should my contributions go towards you if you loose your medical if God forbid something was to happen to you doing that, when coverage was declined to friend of mine who lost his medical through no fault of his own.