The concept of social health insurance is deeply ingrained in the fabric of healthcare systems across the European continent. Insurance products and services in the form of universal healthcare that are publicly sponsored and regulated in nature are available to the masses across Europe which varies in characteristics across the European continent. Under the publicly sponsored products, certain nations in Europe provide simply the basics popularly termed as "sick coverage" only. Incase,  any citizen requires additional coverage to meet their requirements, the option of supplemental insurance can be availed in the form of additional cover for propping up the security of an individual. Countries offering universal health care across Europe include Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Russia, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine and the United Kingdom (UK).