Are you my virgins?!

Oh god I hate that. And yes, at least for me, with two carriers and two phones in the last 3 years, had that same lock.

What you have is supplemental insurance. 'Private Insurance' would be the equivalent of what your government provides (eg OHIP in Ontario)- except provided by a private insurer. The OP meant that it is illegal for a private insurer to offer health care insurance as a competing alternative to the public health care system. Supplemental insurance on the other hand is perfectly legal. Supplemental insurance covers things that the universal system doesn't, like drugs, private rooms, eye and dental, etc.

Meh, not always lucky.

I have shockingly different experiences with Bell Home phone and Bell Sympatico (internet)

When my Internet stopped working, I called them, got some outsourced call center, they confirmed that there's a problem, sent my problem up to the test centre. Sometime in the next week, I get a call and have to re-explain the problem. Some time a week after that, the problem went away, the lights on the DSL modem went green again, magically, and nobody from Bell ever contacted me to let me know it's good now or what the problem was...

When I moved and my phone wasn't working, I called at roughly 9:30 AM and before 11AM the same day, a Bell van appeared in my driveway. Problem solved in no time at all.