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You have paid your insurance premiums for several years. Then you open the policy statement and discover that the fund value is below the total you have paid. If you expected those payments to accumulate like savings, the difference can be difficult to accept.
A shop can lose its stock in a flood and then lose weeks of sales while the premises are cleaned and repaired. A factory might remain dry but stop production because a supplier cannot deliver. Both businesses face a financial loss, but their insurance may respond differently.
A company can renew the same employee health insurance benefits and still receive a higher bill. The hospital entitlement may look unchanged, the workforce may be roughly the same size and employees may have gained no additional protection.
