maybe a bit off topic,...but I just want to say is think it over about how you place the "emergency fund"...and the back up plan on its withdrawal....

I used to place 1 FD cert in bank under my wife and my name, that we remembered specifically instructing that it had to be either one to sign....that was 5 years ago and with out the physical cert type......
last month I went to the bank to withdrawal upon maturity......the counter staff told me I have to bring my wife there to withdraw as "their computer system" showed "both to sign".....I did not want to argue with them. (it just make me wonder...maybe it was "human/error" that caused the computer system to be altered for safeguarding purposes and with good intention)...

just last week, I made ATM withdrawal.....5k max for 2 consecutive days, then on the 3 day upon reaching the 4k withdrawal...the ATM machine asked me to key in my personal details (not password).....then it let me withdraw.....then the next day,....the bank called me to ask if I did made some large withdrawal after confirming some personal detail....

maybe that was their ideal of safeguarding depositors interest from fraudulent withdrawals.....but it made me think,...if I had been lying in the hospital bed waiting and asking my wife to withdraw the "emergency" money ....then.....just think it over and maybe replan the exit plan for your "emergency fund plan".

don't talk about use credit card to pay first....that is not the point here and also if used credit card to pay...still have to get the "emergency fund to pay the card".  hospital is just an example or some other things that don't accept the card too.