Healthcare insurance can ironically cause Early Death and Premature Disease . Firstly, insurance is the business of guaranteeing against IMPROBABLE (low incidence) high costs catastrophe, so that insurance company can pocket as much of the premiums as possible and the clients (policy holders) can sleep well at night. But today, the original concept of health care / any insurance has become CORRUPTED BEYOND RECOGNITION. People NEGLECT their own health thinking that healthcare insurance would solve any and every health related problem without pain/ costs and even ignore personal warning signs of ill health till illness is at a terminal stage because they have faith in insurers to pick the tab (and in modern-day medicine to reverse all disease) which are both very false assumptions because this only results in stratospheric claims payouts by insurers since owning a health insurance policy has now instead INDUCED people to NEGLECT their own health resulting in need to treat late stage diseases at much higher treatment costs. Private hospitals are also experts at maxing out healthcare insurance benifits and charge for everything from call button activations to cotton-wool swabs used. To avoid going bankrupt/ maintain generous profit margins in the light of the high claims payouts experienced, insurance companies then have to raise premiums for remaining participants to the maximum humanly possible which places the remaining participants (who never maintained personal health) between rock and a hard place. These participants, having invested a large proportion of their income on healthcare insurance premiums at the expense of decent food, disciplined exercise and adequate rest, now have diabetes and other severe chronic disease that would make them un-insurable should they seek alternative insurance at an advanced state of disease/age, yet have to contend with the stratospheric healthcare insurance premiums that are killing them from the inside and causing them excessive stress and ill health that would soon kill them if the insurance premiums don't. They are held ransom by both the threat illness due to chronic disease accumulation as well as stratospheric insurance premiums which they can ill afford: every day is a train wreck in slow motion in an accelerated downwards spiral. In short, modern day healthcare insurance has become a dangerous and addictive drug that gives false SHORT term reassurance but long term COSTS due to being poorly conceptualized and indiscriminately sold/mis-applied. Healthcare insurance can NEVER be an effective substitute for a disciplined and proper healthy lifestyle and can adversely cause early demise and ill health if it is indiscriminately applied in a way that it was NEVER originally conceived for to begin with.