| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | health insurance | Western countries | Essential for accessing healthcare services and managing medical expenses | 1 |
| 2 | health insurance | Western countries | Health insurance is commonly provided as part of employment benefits and is seen as essential for accessing healthcare services. | 1 |
| 3 | insurance | Western countries | Commonly used to cover healthcare costs, car accidents, and property damage | 1 |
| 4 | medical insurance | Western countries | Having medical insurance is essential to access quality healthcare without incurring substantial expenses | 1 |