Look, I think my point is being missed. Use it, don't use it, whatever. It's just the whole mentality of "what's in it for me" that I was trying to challenge.
Argh and people wonder why our PHI insurance premiums are increasing?! I laughed at some comments about just making your PHI pay the ludicrous bills to the public hospitals. This is why we pay $400 a month! Would you constantly claim from your car or house insurance and not expect premiums to rise?!
If everyone "constantly" uses public funds, taxes will rise/benefits will decrease. So it works both ways. Public money isn't limitless either.
I would use my car insurance if I had a car accident as it's a significant incident. And having to stay in hospital is a significant incident - I don't go to the hospital for minor issues.
No need to laugh, I have my opinion and you have yours.
It's a tough one, i do understand both sides. Ultimately you do what's right for your family. I just feel blessed that we can afford phi and can make that choice when many others can't.
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