when bruschi suffered a stroke in 2005, he was treated at massachusetts general hospital, which he said was well equipped to handle the medical emergency..

the school in yarmouth that year had a low opt-out rate � 2 percent, the superintendent said � so there was a cap on the amount of disruption an illness could cause..

he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies..