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Incidentally when I tried to get the same cover for myself it would have cost £4k per year with AXA, and I decided I would be better off just putting money into a savings account and self-paying for the occasional knee related thing I would need.
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yeah at least in europe hospitals and doctors have an actual price. in the US doctors can't tell you the price because its a game through insurance companies
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only if you negotiate up front and you need to be aggressive. otherwise you may or may not have services covered and at an unknown % reimbursement until after insurance. then if it gets submitted to insurance they jack up the price which then gets negotiated down sometimes
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