> Making somebody else pregnant doesn't affect my health, so it doesn't make sense that way either

But it might affect health insurance claims, and I'm guessing cheaper underwriting is the reason HR went along with it.

Cheaper underwriting, more expensive lawsuits. Pick your poison.

Is it phrased that way because they can't ask if I have children? I don't completely understand what they intend to find out asking it that way.

Impregnating somebody doesn't mean I have a kid, or even that somebody else. Even being pregnant doesn't result in children 100% of the time.

Perhaps a history of fertility problems would jack up your insurance plan.