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What about sports-related injuries? Serious question.

Should a marathon runner in this scenario get treatment for knee damage or amateur / recreational boxer - for head trauma?

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I didn't say no treatment, just no coverage. If you choose to engage in risky behaviors/activities, then you are more than welcome to buy supplemental insurance as one of the costs of your lifestyle. It would likely be fairly cheap for boxers and runners. Possibly even offset entirely by their associated healthy lifestyles, and therefore eligible for default coverage on a net cost basis.

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