

You don’t need FTL travel or multi-generational ships really. If you get close enough to the speed of light, time dilation can make the travel time for the people on the ship be as short as you want. Only for the people that stay on earth would the spaceship appear to take generations. Getting enough energy to reach such high speeds would be the difficult part as well as accelerating quickly without crushing the travellers.

Even in countries with universal health care surgeries aren’t typically free. They are just paid by a public health insurance. That health insurance will pay at first but it will try to get it’s money back from you if you injured somebody.