Nobody really likes the implementation of the insurance model of healthcare, but… You do at least asunderstand the idea behind it, right?

Insurance charges a much lower rate than the actual price, but everyone pays even when they don’t need it. That way the people who aren’t using it cover the people who are. It doesn’t work if you only get charged when you use it.

That’s all this is. You pay a subscription that is much lower than the price of the product. If it gets used, they send you another one.

The cost is fixed, and you don’t have to worry about going without an important piece of safety equipment or incurring further costs after needing to use it.

If you have enough money to buy one directly, nobody is stopping you. This is actually aimed at people who can’t afford that and would not have access to this technology at all otherwise.