Given enough kids to take care of, a mortgage and other financial/dept obligations, your insurance money might be just a drop in a bucket and your only destination will be a social welfare system. And even that might not save you from having to sell your house or apartment.
This feels like a very naïve viewpoint.
The reality being that you can't rely on insurance at all. You might have insurance but that certainly doesn't guarantee you'll be financially supported through health issues. You'll also be required to engage in legal battles with your insurance company which might be prohibitively complicated after a brain injury.
I got unemployment assistance, I'm french and lived in France at that time.
Be it family, savings or social security, I didn't take a year of vacation. I was trying to pivot to another activity which is difficult in itself, more so after a stroke.
Also before you tell me how good social security is in France :-) you must know my doctor likely caused or amplified the stroke by giving me the wrong treatment at the wrong time, and by not telling me to go to the hospital before 3 full days... and then they let me out. I returned urgently the week after, when a neuro-surgeon freaked out.
No, at least in Germany (pretty sure other western countries too) you are covered after stuff like this. You won't be rich, but enough housing food and your camera.
Pretty sure you'd be covered in a lot of western countries, and if not you have relatively cheap insurances that cover these things.