Because the costs of treatment for minor illnesses are small, these could be absorbed by households without serious difficulty; insurance would be most effectively reserved for serious illnesses which could threaten a household's financial stability.
與其繳交保險費看小病不如把保險費留著，需要看病時直接繳給醫生。再者看小病的醫療費用不大，不會造成家庭的財務困難，所以並不需要保險。