Here in America we get sued regardless, its called the bill. Many many many people are effectively uncovered from covid bills regardless of their insurance. My daughters 7k bill from early 2020 says so (less than 1 day of treatment!! No outpatient or take home drugs!!). Now I can't say for sure whether she had covid but she received exactly the emergency treatment I've come to see is used in covid ICU, so the bills ought to be the same.