I used to pay for comprehensive expat insurance, but it has got much more expensive. So i changed to Genki. Haven't used it, but it seems to do everything the ones at 5x the price do
I went round and round in circles. Then a senior looking woman in the office beckoned me over and gave me her card which said something like "Your key to accessing public services".
I called her, met her behind the office, gave her some money and returned the next day to pick up the card 😁
I like my little pink card. I got it because I lost the book for my car. They insisted I needed a pink card to get a new one so i went and got one (wouldn't accept resident cert)....who knows if that's everywhere but I got it and they replaced the book with smiles.
I still use the highly unfashionable Skype. Haven't found better, though now you have to take a subscription to the country you want to call. Still very cheap if you're calling regularly.