In countries with universal healthcare insurance, why does healthcare insurance exist? (because everyone pays the same price)
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Malaysia: Under our version of Universal Heathecare, you get access to all the goverment clinics & hospital at little to no cost. If you take up insurance, you get other additional coverage (some have payout if you missed work, extra money if you are seriously injured etc.). Usually people who can afford private insurance do so because they can now go to private clinic & hospital. Less wait time, better facilities depending on which private hospital, it might be waaaaay more comfortable and perhaps better access to specialist.
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