agree with ya.....insurance is actually like ask them to keep ur money...if ur healthy all the way...u just give them free money

might as well put those money into investment

for me i think i will use up all my savings and investment just for the purpose of insurance payment than medical expenses

the chances of us being sick until need to use 200k is preety low (i can pretty sure say that my family....including my grandparent, relatives and friends non of them sick until so serious need to use 200k not even 5k for more than 20 years alredy) and not to mention quite some of the insurance i saw coverage kinda low...low until i dont bother to have one even~ low payment low coverage high payment high coverage

and sometimes insurance are too specific only cover certain thing and other dont cover(example) what if you buy 1 type of insurance then u urself involve in diff type of accident which is not cover by insurance company this kinda thing happen to often ( saw on the news )

the only good thing insurance is for tax purpose....instead of pay government with our hard earn money might as well buy insurance

be realistic....insurance company is created not for the benefit of us...if the chances of people get sick or accident until need 200k is so high insurance company would go bankrupt before any of us

please tell me what ganna happen to a guy if insurance only cover 200k and one day involve in 500k or more medical expenses for those with not much saving

This post has been edited by dr2k3: Apr 7 2008, 10:15 AM

erm.....for those with 4-5k per month = 48-60k

taxable income 11% or 12% or 13% i dont know....is like 4-7k alredy
if not wrong i saw in tax thingy form that 1 year u can deduct tax up to 5k or 4k with insurance

or am i wrong?

thats call "threatening"

i was wondering have they ever bought their own insurance?

erm...i never got tax before...is it yearly tax or monthly ??

what i mean is that if those 5-6k(yearly) are tax (must goto government pocket) might as well buy insurance for "protection"?

if 5-6k will be gone anyway which 1 would you choose tax or insurance

This post has been edited by dr2k3: Apr 7 2008, 07:15 PM

hah~ stupid me...i got it now ~_~

TAXABLE INCOME is reduced by 6k....not reduce the amount i pay

u just killed the only reason that i might consider to buy an insurance X_X

This post has been edited by dr2k3: Apr 7 2008, 09:59 PM

just wondering how much total those hospitalization fee