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[bombsh3ll]

I have looked into private insurance and the amount of things that aren't covered and number of get outs makes it not worthwhile in my opinion (unless you have a job that includes it obviously)

Better to have a savings account for emergencies, and use the private sector smartly on a self pay basis eg to access a diagnostic test or initial specialist appointment more quickly, then go back to the NHS for the ongoing treatment where applicable.

Also the way they calculate risk is super inaccurate clinically - I am a clean eating disabled athlete yet my desk jockey husband with a beer belly and a highly processed diet would have had much lower premiums.