Most of us will avoid hospitals like the plague, yet there are some people who are so fixated on avoiding illness that they go to the other extreme and insist on being hospitalised or treated even though they are a long way from death's door.
They do so because they bank on their insurance policies to bear most of the cost. But these cases contribute to the steep increase in healthcare costs and ultimately translate into higher premiums for everyone, including those who have never made any claims.
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