Everyone is covered and you have the ability to pay someone to take on the risk of having to pay for an ambulance.

what happens to the people who don't pay someone to take that risk when they need an ambulance?

Then they pay for the ambulance.

Well then not everyone is covered.

To me covered means that the ambulance will drive to your location.

	▲	Avicebron an hour ago \| parent [-]
		Hey man, don't worry about it, this is an international forum, English can be difficult. You seem kind of like a more junior/early in your career guy so, I'm happy to help out and explain. Covered in this case means that they don't have to pay some third party to take that risk for them, they can just get the ambulance as part of the nominal fee everyone pays per year or whatever. When you outline a problem statement, you want to map out what the person outlining the specs really mean. It takes practice.