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Discrimination is the insurance industry's entire business model.
Discrimination as a word doesn't mean a bad thing, it literally just means "to choose between 2 or more of something/someone". As long as there is choice, there is discrimination. If I needed a plumber, and two people wanted the job, I would discriminate against the one without a plumber's license and/or experience. I think that's probably sensible discrimination.
These days discrimination is used to imply some form of social harm, especially towards a marginalised community, and the word "against" frequently follows it. The question really is though: Is an act of discrimination harmful or not, to whom it is harmful, and do the harms outweigh the benefits?
Is the insurance industry's decision to choose prices for people based on their medical situations harmful discrimination? For the customers? Definitely. For the insurance company? Definitely not.
And then the choice really boils down to which of the two you think are more valuable, for whatever it is you value most. People, or insurance companies?
As someone who values less suffering in the world and thinks all people are worthy of dignity, safety and equitable experiences, and huge profits for a private business are not constructive in delivering those values, profit-seeking health and life insurance companies can burn to the ground for all I care. Bankrupting people for things they didn't choose causes far too much suffering in this world.
Stress drives people to suicide in the first place, and insurance companies feed on that to live like social parasites.
Not to take away from your main point at the end, but that's just not what discrimination means. Discrimination in this context isn't just making a decision between choices, it's when that decision is made unjustly or based on prejudice.
So yes, it's wrong to put profits ahead of people's well-being. But the question was whether insurance companies' policies to not pay out for causes of death that are strongly correlated with poor mental health unjustly treat people with mental health issues.
To be honest, I think that's an interesting point, because while I similarly find the whole concept of health and life insurance abhorrent, I think these policies are in place so people don't take their own lives for the sake of the insurance money for their loved ones. In that respect, they may save a handful of lives, and you could argue that makes it a just policy. I'm not sure I 100% buy that argument either, I just think there's more to the question than just whether insurance companies are generally moral.
I agree that the 'unjust' part is implied here. However, it is certainly not part of any textbook definition of discrimination.
Because the 'unjust' part is implied so often, people have started to change the meaning of the word discrimination. I think that is quite dangerous, given how essential the word is in various constitutions and laws.
Discrimination being tied to unjust, prejudiced, unfair, etc. treatment is part of all the dictionary definitions I found:
https://www.merriam-webster.com/dictionary/discrimination
https://www.britannica.com/dictionary/discrimination
https://dictionary.cambridge.org/us/dictionary/english/discrimination
https://www.oxfordreference.com/display/10.1093/oi/authority.20110803095721450
https://ahdictionary.com/word/search.html?q=discriminate