Get top quality health insurance and not just something cheap.
My mate got a virus and was taken to hospital for three days. While he was mostly out of it due to a very high temperature they gave all sorts of medical tests. He had NO treatment and when he got home his insurance got a bill for $45,000.00. They didn't want to pay it and the Hopital chased my mate for the cash and called in the balifs. It was settled by the insurance in the end but a big lesson for everyone here.