The moment of truth of a policy is on the benefits it gives and the claim going through
Most of us know that we need medical insurance and plan to get one, but are frozen by the way the market is set up offering choices that we do not understand. It takes one episode of a hospital admission and one episode of using the policy you were sold for you to figure out how much there is to understand before you buy. You are introduced to words like deductibles, pre-existing exclusions and sub-limits when you realize that you have to pay part of the bill that was supposed to be fully taken care of. Despite having a policy, you are spending out of pocket.
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