As opposed to private healthcare like in America?

Engineer: this road is in bad shape. Here is what materials and actions we need to fix it.

Insurance: denied, your customer's insurance plan does not cover that.

Engineer: what? Excuse me, may I see your engineering degree that says you can tell me how to do my job?

Insurance: don't need it. We're just telling you, it's not structurally necessary.

Engineer: by what do you base that?

Insurance: because it would not be profitable for us.

Edit round 2!

Engineer: we were unsure if there are underground utilities where I want to dig. Ignoring this possibility could be disastrous, so I ordered a consult with a specialist to look for underground utilities. The dig site is clear.

Insurance: so they found no utilities?

Engineer: correct.

Insurance: so the test was not necessary. Coverage denied.