the answer is : no, if the safety of being insured was worth more to her than the monetary cost of the premium
For example, A soccer athlete paid insurance premium for $100,000 a year while he get an annual salary of $15,000,000 a year
if the clause was met, he'll get $ 20,000,000 from the insurance claim.
In this case, it more beneficial if the athlete still kept his leg because he can easily get more than $ 20,000,000 by two years of working
hope this helps
