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I wrote last month about how I self-insure most of my possessions, but not my health. This is simply because health-care costs can get very large, very quickly. This said, I do still try  to shop around for better deals, and recently  encountered an eye-opener in this regard.

About 20 years ago I took out a dread disease policy, and have been paying for it every month since. Fortunately I haven’t had to claim, but  20 years of increasing premiums (and benefits) mean it has become a large monthly debit, so I called around to get competitive prices...

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