Malpractice insurance? One insurance premium is high in order to pay for the cost of another insurance premium? This seems… suboptimal. I'm in Germany, I don'

Malpractice insurance? One insurance premium is high in order to pay for the cost of another insurance premium? This seems… suboptimal. I'm in Germany, I don't know what we spend money on here because I'm still integrating myself and have not mastered the German language to the level of having opinions about the Krankenversicherungsbeitragsentlastungsgesetz, but I do know we spend about 2/3rds per capita as the USA for better outcomes: https://ourworldindata.org/grapher/life-expectancy-vs-health-expenditure https://ourworldindata.org/grapher/life-expectancy-vs-health...