The disadvantages to having no health insurance is that in the event of being ill one will not have access to the treatments they need and any treatment they do get could involve long waiting lists. It is debatable if there are any advantages to having no health insurance other than saving a lot of money but it comes at a big risk should illness strike.
Having health insurance provides financial protection by covering medical expenses, promotes preventive care and early treatment, and gives access to a network of healthcare providers for better overall health management.
disadvantage of national health insurance scheme
I presume that you are talking of health insurance in the USA - in many countries including most of Europe, health insurance is not necessary because the state provides reasonable health care, though some rich people do have private insurance to be able to have private treatment. Probably the greatest reason for not having health insurance is lack of funds, some people can't afford it.
In the United States, you are not required to have health insurance in order to receive medical care. However, having health insurance can help cover the costs of medical treatment and make healthcare more affordable.
Guardian Health Insurance is a company that offers a reasonable deal for many people. One advantage of having such a policy is that one can be treated in a private room rather than on an open ward, another is prompt treatment.
There are select drug treatment programs that covered by the average health insurance plan. Many drug treatment programs are funded by the government and are free to attend.
The penalty for not having health insurance for 6 months is typically a fine imposed by the government.
The penalties for not having health insurance include a tax penalty imposed by the government. This penalty is known as the individual mandate penalty and is enforced to encourage people to have health insurance coverage.
The penalty for not having health insurance in 2015 was a fee imposed by the government, known as the individual mandate penalty.
In 2015, the penalty for not having health insurance was either a flat fee or a percentage of your income, whichever was higher.
You may want to contact your health insurance business office and find out the reason for the refusal to pay for treatment. Each insurance company has their own rules and regulations regarding what they will cover.