Why not buy cooperative life insurance?

According to the monetary financial news, quoting the public relations of the cooperative insurance, the cooperative life insurance, along with “coverage of the insurer’s exemption from paying insurance premiums due to death due to accident”, “coverage of medical expenses due to accident”, “payment of compensation in case of Five specific diseases, including myocardial infarction, stroke, open heart surgery, cancer, major organ transplants, payment for coronary heart disease, and services such as home and workplace fire insurance coverage can benefit from the letter of recommendation. Hospital facilities and compensation based on approved tariffs.
Based on this, all the insured of cooperative life insurance can receive a referral letter with three hospital plans of 50-100-150 million Rials with zero deductible 3 working days before applying for each hospitalization.