This was meant more in line of services one can get from either, eg. that help with my lost DL. If the big clubs would be also open to help to its customers/members with things that are slightly outside of the standard.
I am happy with services that i am getting, just wanted to discuss this someone who is more experienced than me. I am not bothered about health insurance as i am paying one already that covers me all around the globe. (although i am now waiting 2 years for payment for treatment i got in Prague after stepping on rusty nail :-))) )