In countries with universal healthcare insurance, why does healthcare insurance exist? (because everyone pays the same price)
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Health services are enormously complicated and varied. Government funded plans are usually limited usually by resources – and those resources are deployed to give maximum population coverage not necessarily maximum service quality. There are many dimensions to “quality”.
Things like cosmetic/plastic/reconstructive surgery, for example, capture things between necessary surgery (eg burn victims, congenital defects) to more elective procedures (profiling the nose etc). So public health care must be targeted.
People are equally complicated. Many might be completely fine with general care others may desire better services (lower wait times, better access to specialist care providers, better wards etc). Those who wish for this better service and have the means to pay for it constitutes a demand. Private insurance companies can fill this demand and be profitable.
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