Both are from the govt. However, one is not compulsory but the other is. One is cheaper than the other. In short, flexibility is removed. I want that flexibility. If I make an effort to stay healthy, I don't wish to pay too much for medical insurance. If I am not too concern about dying, I also would not be bothered by medical insurance. If I do not believe in doctor, I also like to have minimum coverage. It is like we don't buy comprehensive insurance for a very old car. If damaged, just scrap it. With this 'life' thing, I have no options but to pay a higher premium for something that I don't believe in as it is compulsory.