Insurance companies need to rein in their extravagant incentive trips becos they are spending "future money". The person pay insurance premium to cover medical treatment in future. If insurance company overspend, then in future need to deny more claims. Policy holders become dulan becos paid years of premiums yet claims keep getting denied.
Unlike non-insurance companies, when someone pays the money, they get the service upfront (eg pay for a car get a car, pay for medical treatment get the treatment). So insurance companies should save more for future claims.
