Insurance is opt-in. You sign up through the Insurance app on your phone once you own one.
Health insurance
- Recurring premium (24h wall-clock cycle).
- Discounts the bill at the hospital when you die and get revived — 50% on basic, the whole bill on premium.
- One missed payment is survivable. You get a phone notification ("Premium unpaid (1/2)") and coverage keeps running. It lapses on the SECOND consecutive miss, with a critical notification when it does.
- A lapsed policy reactivates by itself the next time a premium goes through — you don't have to re-sign.
Vehicle insurance
- One-time premium per vehicle plate.
- Pays out a fixed amount when the vehicle is totalled (heavy crash triggers the claim).
- Policy is consumed after one claim — re-insure if you want coverage on the replacement.
No insurance, what happens
Hospital bill is still payable, just larger. Vehicle write-offs are on you. Nothing forces you to insure anything.