Why should we use Islamic Insurance (Takaful)

One of the biggest issue that was debated in 2012 US presidential debate between president Obama and governor Romney is the health issues in US, this has been big issue not only in US but also in many countries. Health Care has been very expensive for many people, the cost of hospitals and medication has been increasing around the world. In US cost of health insurance is between $3000 to $6000 per year per person depending on the premium and the state, most of the states have different cost for the same premium and  the cost of health insurance per family is between $6000 to $13000. per year. If some day the person or family can't afford to pay the insurance anymore and the person or family didn't use the insurance or didn't use that much, then the person will lose all the payments he or she did. In Islamic insurance or in Takaful the money of the person will not be lost if the he or she can't afford to pay anymore. In Islamic insurance the money of the customers are invested in other investments and paid when there are profit, that means the customers can also earn some money and at the same time protected.  
The are some students who are not agree with Islamic insurance because in Islamic insurance the customers are joint therefore the monthly payment is joint together with other customers. If one other customers needs to use the insurance then they will take from the joint money and each time when someone takes the money the money will get less. Another one is in Islamic insurance the customers pay the money by saying it is donation so therefore the money can not be taken. In Islamic insurance even if the money can not be taken but the customer is entitle to the money he or she paid by using the money for emergency but can not withdraw the money. Every insurance have different policies, and one great thing about Islamic insurance or Islamic banking the customer will be informed about every detail of every information, the will be not hidden information.