Most of my savings is invested in index funds. Pretty much all of them allow you to withdraw the full amount in 3 days or so.

Granted, do you have any idea what such a scenario might look like? Odds are, it can wait. Even large medical operations if you don't have medical insurance (where I live), simply require a modest deposit before they start the operation or expensive procedure. Though I do think they ask for some sort of proof that you have the money on hand.

But, again, most people here have enough money to pay for private healthcare insurance, or they rely on the free state hospitals.

Car, insured. Medical, insured. Bond payments, predictable.

So, I'm trying to figure out a valid plausible scenario where a large amount of "cash" is required in a very short amount of time. Any ideas?