In countries with universal healthcare insurance, why does healthcare insurance exist? (because everyone pays the same price)
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The answer depends on the country: in some countries health insurance literally doesn’t exist.
In those where it does though, it’s typically optional and covers things like:
– Treatments that are not covered by the universal system (eg. optical and/or dental in some countries, chiropractic, cosmetic treatments etc.)
– Treatment in private hospitals (as opposed to public hospitals). They may offer nicer rooms or shorter wait lists or the like.
– Other perks like included gym membership or diet consultations etc.
In some countries, purchasing private health insurance may also offer you a small discount on your taxes (since you are reducing the burden on the public system by having private coverage).
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