Universal Insurance Universal Insurance Health care, legal advice and disability support are services which everyone should have access to, when required. The private sector can provide these services with much greater quality and efficiency than can the public sector. However, not everyone can afford to pay for private health care or a private attorney. Yet a compassionate society must provide for the needs of all its citizens. Universal Insurance is a scheme whereby necessary services like health care are privately managed , but publically subsidized , to ensure universal accessibility.
Service is provided by private firms which compete in a free market.
Differential Rates Insurance providers often charge different premiums to different clients based upon an assessment of risk . If her insurance actually costs more, the difference is due to her voluntary personal lifestyle choices. Additional cost incurred by irresponsible personal choice is not subsidized by the State, and there is financial incentive for each citizen to make responsible choices. Health Care Insurance will cover the cost of medical care, dental care, optometry, and pharmaceuticals. Legal Insurance will cover the cost of legal fees, thereby giving all citizens equal access to legal mechanisms, both to initiate and defend against civil or criminal proceedings.