My Scottish relative was unfortunately involved in an accident that made him a paraplegic. The UK gave him an income and even a disability-friendly HOUSE.
I just did research in Japan on gene therapy. I had a whole section on affordability and access and the local market research director told me those questions aren't relevant because Japan provides 100% healthcare.
I don't see the UK and Japanese economies crumbling.
Would I up my taxes for peace of mind against unfortunate and unforeseen circumstances? You bet.