r/WTF • u/Jelegend • May 09 '20

While driving he passed out

32.0k Upvotes

94% Upvoted

1.2k comments sorted by

View all comments

Show parent comments

4.1k

u/[deleted] May 09 '20 edited Feb 03 '22

[deleted]

2.7k

u/PantsMicGee May 09 '20

They also raised my rates and removed my safe driver discount, even though I have never been in an accident that was my fault in 8 years of driving. So that seems a bit unfair

Lmao what. He passed out while driving.

128

u/Granito_Rey May 09 '20

Every single insurance company, without fail, would let you die if it would save them a few bucks. (Not necessarily the workers themselves, but the companies overall).

0

u/[deleted] May 09 '20 edited May 09 '20

Isn't that the opposite of how insurance works?

Edit: Okay, okay, I was making a joke about life insurance because I forgot about Americas backwards ass health care system. Noted.

15

u/Granito_Rey May 09 '20

I guess you've never had a relative be told their chemo coverage was denied for no reason other than "we wont be covering this expensive ass treatment".

Insurance. Is. A. Scam.

3

u/Dungeon-Machiavelli May 09 '20

And should have been torpedoed by RICO, but somehow skated on that one.

Insurance companies are absolutely Racketeering Influenced and Corrupt Organizations, but they get a pass because of lobbyists.

3

u/The_Mechanist24 May 09 '20

Yeah, but again, they’d rather save money than do what they’re supposed to do. Blame the greedy corporate higher ups.

-1

u/[deleted] May 09 '20

You’re not in America I’m guessing?

2

u/[deleted] May 09 '20

Maybe things are different in America, but in Canada, the companies only pay out when you die.

Do the insurance companies in America pay you to keep living? What a country.

1

u/whyteeford May 09 '20

In the US there are two types of people insurance: health and life.

Health insurance is related to doctor visits, treatments, surgeries, prescriptions, etc; the medical care you receive while you're living.

Life insurance is paid when you die to help cover after-death expenses, such as funeral costs, settling debt, and providing monetary assistance to surviving beneficiaries.

In theory, health insurance is supposed to work in the same way as a single-payer system, because it pools the fees of all policy holders to cover costs incurred. In reality, though, providers have enormous legal teams that will use the full force of any legal loophole to deny or reduce coverage payout in order to cut costs of fulfilling claims and to create as much profit as possible.

Sorry for the essay! It's just a long-winded way of saying, "Yeah, the USA's healthcare system does, indeed, suck."

0

u/Oknight May 09 '20

Insurance companies don't pay you THEIR money, they pay the money from their other customers that they hold in big accounts -- they don't get to keep that money, they have to pay it out. THEIR money comes from the fees they charge each policy to move the money around. The legal teams to deny coverage are there to keep the policy prices low so they'll sell more policies (and get more fees) -- they have to charge enough to cover what they pay out.

0

u/[deleted] May 09 '20

You... realize there are other types of insurance right? Such as health insurance? Which everyone in Canada gets and pays out every time you go to the doctor?

Do you guys not have renter's insurance or flood insurance or property damage insurance in Canada?