Moral: Read the fine print. Especially on insurance plans. Expect loopholes, and if you don't find them, read it again, more carefully. Yes, it can be a lot of work. You might end up not buying just because you can't understand it. But if you go in expecting the insurer to pay out on the basis of what you think is "reasonable", you're not going to do due diligence. Expect each claim to be adversarial, so you can be pleasantly surprised by the exceptions.