It doesn't make sense to buy insurance that won't cover your needs. We need to know what conditions, illnesses, traumas are included so we can choose wisely. No sense in buying a Mercedes Benz when a Honda Civic will suffice. Insurance, like gambling, plays the Odds. The companies are hoping that the majority of their clients will stay healthy, so a profit can be made. Shop around. Go online and learn the insurance lingo before you make any decisions. Good luck, Good Health and Good Insurance.