The author shares their experience with a Prudential health insurance product they had been paying for 13 years. Although they invested IDR 46.8 million, they received only IDR 34.4 million, making it a loss of IDR 12.4 million. Despite this, the author still believes that insurance is necessary for reducing or sharing risks, and suggests that Steemians share their experiences with insurance products. The post highlights the importance of studying policy details and the difference between insurance for investment and protection purposes.