Everyone needs protection. It is our safety line. Seriously, I had never thought that insurance was that important till I was admitted to hospital for 13 days. Guess what? The cause of my acute adominal pain was still unfound! *faint* I need mophine to stop the pain, it was that terrible. After being discharged with unknown cause, the bills was mountail high and I had no insurance at all! After that lesson, I start asking around for insurance quote, to safeguard myself for the future.