One day my brother was complaining about stomach pains.
The next day he needed to have his appendix out. It was totally unexpected. His health insurance paid for the majority of his doctor expenses and hospital visit, but when he got home he couldn't get around for a while and needed a lot of help -- so he paid to fly our mom out to take care of him. He lives in LA and we live in Brooklyn -- it was very expensive. Luckily, he has hospital indemnity insurance which gave him the cash to help pay for the flight and other things that his health insurance didn't.