[pdimitar]

You have too much faith in the social system. Clue: I am in Eastern Europe. We have exactly zero protection. Not small. Zero.

TL;DR if my reserves dwindle, I get thrown on the street. No conditions. No if-s. No but-s. No social safety net. I become the next fresh bum on the street.

To more directly respond to your question: medical insurance in my case means I get to schedule a meeting 2 months from now, with an old-school psychologist who is going to look at me annoyed and badly hide the fact how impatient he is for me to leave. I heard stories from acquaintances.