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| Thanks for sharing your experiences!
The only thing that sounds significant to me is the free choice of specialists. Can I throw money at it ad-hoc?
The rest of the benefits sound like they are more a convenience thing that can be solved by paying a one-time sum for the wanted benefit instead of the monthly premiums. Am I wrong? | |
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Yes, you can throw money at it ad-hoc, and no, you’re not wrong. Since I haven’t seen it mentioned: Higher insurance status will actually increase your risk of getting unneccessary surgery. This has been well documented, not only for hysterectomies, which seem to have gone out of fashion anyway.