<prompt> Human: I live in Bangladesh, a least developed country and there is no health insurance system in practice. Sure there are a bunch of health insurance companies, but most of the time they refuse to pay out the claims. The judiciary is inefficient and the law enforcement is corrupt and its near impossible to enforce an insurance claim. Top-notch healthcare is not absent here. Those with the means can get access to private hospitals that provide treatment that are at the international level. Those without the means have to resort to the government funded system which provides nothing more than primary care. Disaster strikes, when you are diagnosed with a terminal illness like cancer or you are set in artificial life-support. Only those with the means can sustain life till their money runs out. To me, it seems the only way to survive is to build up a thick emergency fund. However, the question is, how do you calculate the amount of money to keep in the fund? PS: English is not my native language, so please excuse my terrible grammar.  <response>: PS: English is not my native language, so please excuse my terrible grammar.Your English is stellar, better than many Americans. And far better than my Bengali. 