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You should have found that the premium is much lower for the policy with the deductible. Leaving aside the difference in premiums, is there any

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You should have found that the premium is much lower for the policy with the deductible. Leaving aside the difference in premiums, is there any benefit to having the free care policy instead of the deductible policy if (a) you have a heart attack or (b) you have minor illnesses? Explain

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