Let $X$ be a set, $I$ a well ordered set and $\{X_i\}_{i\in I}$ a family of subsets of $X$ such that
$$X_i\subseteq X_j\mbox{ for }i\leq j$$ $$\bigcup_{i\in I}X_i=X$$
Does there always exist a countable sequence of indexes $(i_n)\subset I$ such that
$$\bigcup_{n\in\mathbb{N}}X_{i_n}=X$$ ?
NO. Not if you have the axiom of choice. For example when $X=I$ and $X$ is an uncountable regular cardinal, ordered by $\in.$