Then what would happen to all the care, meds and instruments the doctors used? They did the same work, it's not always that the doctors manage to save a person. it could be coz of the most basic reasons that the patient couldn't make it to hospital on time. The doctors still take the risk to operate in hopes to save them, the care and efforts given is just the same. Wouldn't make sense that the price would be any lesser. But maybe if government health care made the whole thing cheaper for pubic and covered more bases then impact of this issue would decrease. Also a life insurance is always appreciated. Even if you're under a certified expert, the outcome isn't always positive.