enoughisenough
The Dragonair pilot union advised its members to take out their own additional health cover due gaps in what is being provided. There were some sorry stories and fundraisers for members not properly covered and reliant on company health care. I'm no sure of the details, but the company may provide additional care for critical illness on a case by case basis.
So, my point being, I'm paying another $5000 USD per year to provide my family with sound health cover. Insurance top-ups close to that again. This extra cover to protect my family is way in excess of what I would pay back home.
New generation pilots don't seem to be taking up the union advice due the expense. So history will repeat itself and many will expose their families to financial hardship and a gamble on health care.