People get sick, people are disabled

Maybe in some other Utopias, but not the Culture. People so get sick, but they do it intentionally just to see what it's like, for example having the flu.

Some have the good house on the beach, some have the one with out the nice views - some resources are unique and therefore always scarce in some respect.

Nope. The Culture manufactures these structures called an Orbital, kind of like the Halo from... Halo - in fact that is where Bungie got the idea from. These Orbitals vary is size, being approximately 10 million KM in circumference and varying from one thousand to six thousand KM in width. This provides 20 to 120 times the landmass as Earth, while using a fraction of mass. You can have any sort of landscape custom made for you - so if someone has a special house on the beach you really love you can just ask your Hub Mind to recreate the same thing for you, or something similar but tailored for your tastes. Did I mention that Orbitals are considered mundane and easily built by the Culture?

Of course, if you don't want to go to such a process, you could always just hop into a indistinguishable version in a fully immersive (all the senses) VR sim.

There's no magic unobtanium in the Cultureverse (not in ours either), so really anything you want you can have. Although, admittedly, there will always be uniques - in the sense that you literally could not have two Mona Lisa's, not with the exact same molecules and atoms. But it's not as much of an issue as the people in the Culture don't prize material goods to show off their status and wealth - they don't need to. So people do have unique items, and they are still prized, but more for sentimental and personal reasons rather than for wealth signaling ($10,000 iWatch anyone?).