For the same reason that the insurance exists in the UK - when my family lived there, my sister had an issue. The choices were crappy slow "meh, but it will get

For the same reason that the insurance exists in the UK - when my family lived there, my sister had an issue. The choices were crappy slow "meh, but it will get better" NHS service in 6 months or deal with it within a week in a private hospital covered ( mostly ) by the insurance. We picked the private hospital and everything was resolved within 3 weeks.