It's one of the the situational ethics scenarios from the black heart of madman Joseph Fletcher:
“I dropped in on a patient at the hospital who explained that he only had a set time to live. The doctors could give him some pills (that would cost $40 every three days) that would keep him alive for the next three years, but if he didn't take the pills, he’d be dead within six months. Now he was insured for $100,000, double indemnity and that was all the insurance he had. But if he took the pills and lived past next October when the insurance was up for renewal, they were bound to refuse the renewal, and his insurance would be canceled. So he told me that he was thinking that if he didn't take the pills, then his family would get left with some security, and asked my advice on the situation.”
The doctors could give him some pills...
From what I’ve witnessed with the passing of my grandparents and parents, the health system sucked most their financial resources before passing. For the most part their final time on this earth was with extended misery and pain. I won’t let that happen to me.