What's not covered by NHI?

It is difficult to say. NHI has been changing the rules over the last couple of years due to budget issues.

There are some medicines that are not covered by NHI.

A private or semi-private room is not covered (you pay the difference).

I know that people do buy Cancer insurance, but I am not sure on whether that is through NHI, supplemental to NHI, or what.

Accidents should be covered by other insurance (like your car insurance in your example), but I am not sure of the details.

Not sure what she is saying about the operations, though. That doesn’t seem right.

These are some that I know. Personally, I don’t know of too many people who buy extra medical insurance, though. Usually, it seems to be life or income insurance.