Ubuntu requires a highly developed social conscience wherein each person cares for the other. The Zulu thus finds it difficult to participate in decisions to withhold or withdraw treatment because such actions are felt to be equivalent to making the decision for oneself. Therefore, when dealing with Zulus, the ICU physician informs them that the time has come to do the right thing when it is obvious that further ICU care is futile. They are allowed time to make peace with their ancestors and thereafter treatment is withdrawn. Both of the ICUs that I visited are public facilities, as opposed to private.
Unlimited insurance is prohibitively expensive.
It's like flying Business Class. The airplane and destination is the same, but the seats are different. The type of insurance does seem to influence the amount of resources that each physician has available to expend on patients. As in India, I found that resources are limited by the accumulated costs. Therefore, the clock starts to run for patients as soon as they enter the private system and when the accumulated cost exceeds the limits of insurance, the patient must be transferred to a public facility unless the patient or family agree to fund the additional costs themselves.