[OkGoDoIt]

Interesting concept. It might be good to have some info on how this works in different countries, especially countries where people tend to have medical expenses covered without buying private insurance. What am I actually getting in a specific country vs not having insurance, for example?

No preventative coverage seems nonsensical. Basically all of the value I get out of my insurance is for my annual physical and full lab screens. I find it frustrating that an innovative new business model for insurance doesn't focus more on preventing high medical costs rather than simply helping with costs after it's too late.

Reading your full safety-wing-specimen-policy-0118.pdf, there's a bunch of random bold words. Seems most pronouns and many other words are bolded and I can't figure out why. It makes the document visually busy and hard to read. I would fix that unless there's some legal reason you have to do it that way.

The lost checked luggage coverage excludes literally everything of value I might have in my luggage except clothing. Feels like a scam honestly.

Congrats on launching and props for trying to innovate in the world's shittiest industry, but I don't think I'd sign up for this and I'm exactly your target market.

[SRasch]

> No preventative coverage seems nonsensical.

I understand where you're coming from, but consider this: for things you know you are going to do, a subscription is the right product - not an insurance. Insurance is better for unforseen large costs, instead of predictable small costs. And we are in fact planning to add a global primary care subscription to address that. In the Nordic countries where we're from, most of healthcare is delivered (by the government) in something closer to a subscription than insurance.

> random bold words

I agree with this being unnecessary formatting, we will look into and fix this.

> lost checked luggage coverage excludes literally everything of value

It is true that our lost checked luggage coverage has too many exclusions and is not good enough. This is something we are working on improving, and will release and add-on that fixes it, and give people the option of a genuine stuff-insurance.

We'll work on getting this better, would appreciate if you have time for a call with us at one point. Would really appreciate getting feedback on how we can not just remove the bad, but also maybe add some good.

(If you want to, in addition to helping us build something useful, we can like throw in a $25 airbnb gift card, my email is [e-mail])