Italy here.
I agree with your point. Luckily despite the rumors of war like triage we're still treating everybody because we increased capacity. There is a little slow down in new cases today. Still a race between setting up new capacity and hospitalizing people.
It is good to have insurance. I have one. But when I was trying to reach a doctor during the weekend because I had bad cough and was very worried, I couldn’t get through. The line was overloaded. At that time it hit me that, in case of emergency, different set of rules apply. Having insurance becomes almost irrelevant.