My doctor says I’m perfectly healthy, why is the insurance company charging me more or declining me?

This may be true, but the doctor looks at your health as it stands today. Insurance company underwriters analyse your health history, statistics related to your age & health conditions and how those may affect your longevity. Some medical conditions and lifestyle factors are deemed riskier than others. This risk is accounted for in the premium you pay. If the risk is too great, the insurance underwriter may decline to offer you coverage. It is your health that purchases the insurance contract, and your bank account pays for it.