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Summer has begun. The Smith family went to summer house, where the father was bitten by a tick. The tick was pulled out to be tested and find out if it was infected, but out of panic they lost it. Therefore, they urgently went to the hospital for an injection of immunoglobulin.
The injection cost about $115. What else could have been done? Indeed, in such a situation, there are no other options. If a tick has bitten and there is no way to check whether it is infected, you need to urgently give an injection. But the injection could be free. If Mr Smith had an insurance policy (its cost is about $5), then the family would save $110.
After this incident, the Smith family annually insures all family members (and also vaccinates). It is not always possible to avoid troubles, but there is a way to compensate for the damage from them – to insure.