I can't think of a better demonstration right now of the conflict that happens for me when evaluating insurance product than this one: 

I am sure many advisers could create similar versions based on different features of insurance policies, funded and non-funded treatments, and so on. The struggle is real. 

Dr Rosalie Stephens says it's crucial that PHARMAC moves more quickly when revolutionary treatments come along to prevent patients from deteriorating or potentially dying as they cannot personally afford the treatments.

According to this article it takes the UK on average 143 days to fund a modern medicine after it is registered for use, compared to 370 days in Australia. In NZ, patients wait on average 517 days for PHARMAC funding, with no time frame for decisions.