this post was submitted on 25 Nov 2023
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Unless you by any chance was diagnosed with late stage cancer and need emergency treatment or maybe hit your head and went into comma, you won’t actually reach that amount (typically coverage is “reset” every year).
Even if you are hospitalised in most countries you will only spend a fraction what you could have spent in the US. Exorbitant medical cost is american specific problem.
Same concept as a condom, I would rather have one and not need it, then need one and not have it.