CASCO 50/50 - is it really profitable or marketing?

Who has used programs where you pay half the cost of the policy? How well does it work in practice and what are the nuances in the event of an insured event? I found another useful article on car insurance: https://autoinsight.com.ua/avtostrahuvannya-bez-skladnoshchiv-pravila-vidi-ta-poradi-dlya-vodiiv-u-2026-roci/