The main purpose of indemnity insurance is so that you can choose your own plan, make your own choices and usually protects you from having to take any liability or loss. It's usually the insurance company.
Using half normal saline or hypotonic solution is appropriate in patients who are dehydrated. Hypotonic solutions have less osmotic pressure making it absorbable attracting more water thus it makes intracellular volume of cells increased, which leads to patient's safe hydration.
By our blood and our moisture like sweat I believe