Inflation is a part.

Remember to always report hospitals who extensively ask u to check/scan/test everything uncessaries. Once they know u have insurance, they will milk it

2 times I claimed insurance at private. Got high fever that never went off, and do blood test, urine, there was a part he advice me to go for brain scan because I told him I got a bit of dizziness, but it was due to low blood sugar that I never told him I had it. That was before blood test.

So where the cost goes? They charge insurance company and the insurance company inccur these charges to you.