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然后，当发生意外时，比如严重受伤或者染上疾病–事实证明，他们的保险公司不会支付这些医药费用，并且大多数人都拿保险公司没办法。
Then, in case of accident, a serious injury or disease, it turns out that their health insurance does not cover the expenses and overall that has nothing to do with the insurance company.
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