Insurance generally is good, having health insurance has helped me more than i know, I use to be very health and as such wont fall ill for long, i didn't use my insurance and didn't see the importance, it was when i had countless enter with malaria last year that i was grateful to God for my insurance. Yes a lot of people dont see the value, some neighbour of mine had to start all over because of a fire out break in the market, burning down all his goods. If he had insurance for fire, his case would have been different from others.