Now consider the following situation. Kans has obtained a number of quotes and found that R3000/month is the cheapest deal he can get for comprehensive medical insurance. He assesses the chances that he will require medical care in any given year as 3 in 10. He further determines that, if he requires care, this will cost either R5 000, R50 000 or R2 000 000, with probability 0,8, 0,18, and 0,02 respectively. If he has insurance, all medical costs will be paid on his behalf. Assuming that Kans is a risk neutral decision maker, should he buy the medical insurance or not?