In most EU countries offering a Universal healthcare insurance, you have still a private market of insurances for services/products not covered by the governmen

In most EU countries offering a Universal healthcare insurance, you have still a private market of insurances for services/products not covered by the government insurance (i.e. glasses, dental, cosmetics, etc.) If you get denied of a procedures because of previous purchases and behaviour that the government insurance does not want to cover; the private sector will be happy to serve you.