The challenge with such carve-outs is it incentivises broadly defining the offending lifestyle choice. So the specifics matter, because otherwise, insufficient diet and exercise (or, for the exceptions, overexertion) is a lifestyle choice that can be positively linked to pretty much any issue for any person.
Even if everyone's fit and has a good diet, maternity care is medically important and starting a family in a free country** definitely counts as a lifestyle choice because some choose not to do it.
Human childbirth without any care has quite a high fatality rate*; no childbirth, no next generation to cover the pensions of today's taxpayers.
* I don't know if South Sudan had something weird going on to push their lifetime rate of fatal complications from maternity to 35% in the worst years, but even if they're an outlier there were plenty of other countries trending at around 10% in 1985: https://ourworldindata.org/grapher/lifetime-risk-of-maternal...
** Not so in places without women's reproductive rights.
The challenge with such carve-outs is it incentivises broadly defining the offending lifestyle choice. So the specifics matter, because otherwise, insufficient diet and exercise (or, for the exceptions, overexertion) is a lifestyle choice that can be positively linked to pretty much any issue for any person.