In countries with universal healthcare insurance, why does healthcare insurance exist? (because everyone pays the same price)

Question

In countries with universal healthcare insurance, why does healthcare insurance exist? (because everyone pays the same price)

In: Other

Answer 1

If you mean other insurance besides what’s covered in the general insurance – many reasons.
Access to better facilities and/or shorter waiting period.
Coverage for things that the general system won’t cover (for example if for the same condition there is a good enough and cheaper solution vs. The more expensive and better solution).
Other things like covering lost income.