Insurance is there to protect me
against catastrophic financial loss (huge medical bills, owing a mortgage on a house that burned down, etc.) not a way to game the system and pay for routine expenses or repairs.
While the death of a child is extremely tragic, the odds are very low and any associated final costs should not result in
a catastrophic financial loss for a typical professional income family.
While co-pays provide small payments for services in a physician's office or for prescriptions, the most advantageous and important aspect of a major medical policy is to provide financial protection against major medical expenses that could otherwise lead to
catastrophic financial loss.