The entire concept of insurance is to share risk. (Egyptians had the bright idea to combine grain together onto shared barges so if one sinks, none of us loses

The entire concept of insurance is to share risk. (Egyptians had the bright idea to combine grain together onto shared barges so if one sinks, none of us loses our entire cargo.) Risk carries an element of unpredictability. If a scenario is predictable, there is no risk to be shared, ergo by definition a scenario with little risk (e.g. known diagnosis and treatment plan) is absolutely and unsurprisingly not fitting for insurance.