and if you have a hospitalisation or medical emergency before that 10 years? My son had a £3,000 hospital bill for surgery one year before taking out insurance. Then in 4 years has had 2 emergency admissions totalling £5,500. . All covered by insurance.
They have similar in other countries. Could be same. There's a sort of booth. You place passport on a screen. It scans it. You do finger print. And it takes photo.