According to the article, $40k is the flat rate for everything except hospital stay, which makes a lot of economical sense. If it is $40k _on top_ of existing

According to the article, $40k is the flat rate for everything except hospital stay, which makes a lot of economical sense. If it is $40k _on top_ of existing medical expenses (which I doubt), it is just another toy for the wealthy, and will not gain significant traction. "Regular" concierge service is usually much less expensive.