Medical insurance standards
2. First strategy they take is put fear into prospective customer- actually they sell fear.
3. They pay for few cases from the money collected from others and do not want to pay with some pretext or other. So few are lucky and few are unlucky.
Since you are already anticipating that you would suffer from some diseases, after all, human body is prone to diseases and may require operation, open a recurring account in any bank from young age. This will serve the purpose, moreover, saving from young age is a good habit. Hope this system will work. more