Hi Taraz. I am glad your little one is feeling better. She looks adorable and unaware of the scares she has caused. Being prepared is the smart thing to do and only on each event do you learn how prepared you are.
Private health care is the way to go wherever you may end up. It is not that expensive but is still a cost. This is non negotiable as it is your family.

my daughter had a heart murmur when she was young and fortunately grew out of it. I am sure your daughters problems will improve and you will all grow as a family. Health and happiness are the important ones, wealth will come.