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Yeah exactly... It's emergencies only really then you're on your own. I needed 20 physiotherapist appts after a severe car crash, thankfully we have special insurance specifically for car crashes that is very good, but if the same thing happened from a random fall or something then idk what I'd do.
Interesting how insurance works differently around the world. It's really weird here. Most people here in AU have private health insurance, even though it does absolutely nothing for them. I ran the numbers myself. As an example, you would pay $1200 a year for something you can max optimistically get $600 value per year from, and that's after multiple years of building up "trust". There's clauses like, only these specific kinds of treatment, only $x per year, only x% of each treatment covered, etc... It's extremely restrictive. But if you tell anyone, they'll get mad and say you're an idiot to not have this scam health insurance. It's better to self-insure here and just try to have ~$1000 set aside for health emergencies.
Glad you were covered to get back on your feet.
That all sounds quite complex to navigate. Crazy with all the tech and resources that we have available now and these are the systems that were designed.