| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | car insurance | Norway | Common for insurance to include protection against car theft in snowy, cold regions | 1 |
| 2 | healthcare coverage | Denmark | Healthcare coverage is provided as a universal right through tax-funded systems, with an emphasis on equal access for all citizens. | 1 |
| 3 | healthcare coverage | Norway | Healthcare coverage is provided as a universal right through tax-funded systems, with an emphasis on equal access for all citizens. | 1 |
| 4 | home insurance | Norway | Popular due to high value of personal belongings and harsh winter weather | 1 |
| 5 | medical insurance | Norway | Highly subsidized by the government and considered a social welfare benefit | 1 |