You need to broaden your horizons then - look at the medical plans that are on offer in India. Or the travel medical insurance that every EU country requires you to carry. They are classic insurance.

Having a kid without complications should not cost $50K. It should be a few grand at the most. If the kid now needs NICU, then yes, that's what insurance is for.

>>- look at the medical plans that are on offer in India.

The one's that companies offer are quite good, actually.

I'd have depleted my life savings, and gone bankrupt several times around COVID years with my parents health, if I didn't have company health insurance.

Good for me, because I knew people in hospital sitting in the waiting lobby literally crying because they were done financially. Like finished for life.

Having said, this in India the market for this things is still building up, and given how big India is it will take years before it reaches the US stage of profit seeking.

So, I exanped my horizon Besides the states there is south Africa who treat having a kid as some catastrophic event that might bankrupt you.

In EU countries the spirit of health insurance is socializing the cost / solidarity which we explicitly do not consider in the thread - please read the parents of that was not clear.