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Shiv has a family store that he operates with his family's help. As insurace premiums are very expensive he cannot afford to pay for health insurance
When he is ill and has to stay at home he needs his son to take care of the shop to avoid losing sales
If he decides to go to the doctor, he would have to pay for all the expenses out-of-pocket
Shiv has a health insurance and is providing data constantly to his insurance company
Whever something is wrong, his insurance company will alert him to the doctor on time and prevent serious illnesses
This allows Shiv to pay a low premium for his health insurance and to avoid losing sales due to health problems
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