| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | car insurance | New Zealand | Frequently includes coverage for damages caused by wildlife | 1 |
| 2 | healthcare coverage | New Zealand | There is a mix of public and private healthcare coverage, with a focus on universal access to essential services. | 1 |
| 3 | medical insurance | New Zealand | Private medical insurance is used to complement the public healthcare system, particularly for faster access to specialist care | 1 |