We shall have to agree to disagree then. Calling a healthcare system that doesn't cover all available healthcare universal just doesn't make sense.

I can accept that's what people call it, but that's about it.

I think they're wrong.

By this logic the USA has universal healthcare, because a hospital must treat you for emergency, life-saving care, even if you're unable to pay.

So, the definition is absurd if it's just that a system covers everyone.