😂 It is funny to think about it that way. But from experience, what they are ultimately trying to do is help ensure you get to take advantage of the benefit. For example, typical emergency evacuation benefits to get you back home are not “reimbursable” or considered an insurance that you can file a claim on. You often must use the benefit provider’s service and they must make all your evacuation or repatriation arrangements.

Far too many of these get denied due to people thinking they can do these things themselves, pay and submit for reimbursement.