[greenyoda]

> My wife and I take no medications and are healthy.

Unfortunately, that could change overnight. Even young, healthy people can get nasty diseases, be in catastrophic accidents, etc. I knew a young, healthy person who went in for a routine checkup and ended up diagnosed with cancer.

While a single hospital stay might cost you $100K, being diagnosed with a chronic disease that requires years of treatment and follow-up could be much more expensive. And especially if your condition leaves you unable to work, your bills might bankrupt you.

> when we don't actually foresee needing anything but emergency hospital treatment for unexpected accidents

Life is inherently unpredictable. Things happen to you that you can't foresee.