My family is still in poor health. What should I do if I can't work by living on subsistence allowances and borrowing money?

Your question is a little confusing. It is suggested to carefully look at the contract agreement of health insurance at that time and see where the problem lies. To solve the problem, if it is within the scope of compensation, the insurance company refuses to pay compensation, and it is recommended to solve it through legal channels. Don't forget, this is a legal society.