I must admit I have very little faith in insurance; I usually describe it as follows:
"Friend promises to pick you from work every day for 1 year. He religiously shows up at 5pm for a few weeks, but if you work late or it rains (and thus need the ride more), he will say he's caught up or something like that. So despite having a guaranteed ride home every day, when it rains you will have to take boda in the rain or stand at taxi stop for hours. You know how it gets when it rains in Kampala!"
My relationship with a couple of health insurance providers has been like this. They have paid for run-of-the-mill medical instances, but when it comes to something more serious, or expensive, the kind that you’d be glad to have lifted off your wallet, miraculously it’s not covered by insurance. Mostly because of a certain term or condition that wasn’t brought to your attention earlier.