Approved claims, and no profits. Once you start approving claims, the hospitals and healthcare companies will continue charging whatever they want to. The Insurance game is a losing proposition if claims must be paid, it only works if they’re allowed to deny claims. It’s a nonstarter. Which is why in a nation with a functioning public healthcare system, Insurance companies aren’t necessary. Healthcare costs will always outpace the income an Insurance company will charge.
couple hours? oftentimes a torrent with zero seeders is as good as dead, and a seeder might show up in days or weeks, most times never. best to find another torrent. also, and this is just a personal preference it’s worth the download time to kick it up a notch to 1080.