Hi
I've got health insurance, and all of my experiences have been good. I had a colonoscopy last year, and a whole raft of stuff this year (CT scan, endoscopy, US scan and loads of blood tests).
The CT scan was arranged after a really horrible experience of a supposedly urgent NHS referral (not saying all of NHS is bad, but in this case it was pretty rubbish)
My premiums will probably be unaffordable next year having had all that, but luckily, I've just taken a permie job (its actually my contract job, they asked me to go permanent, for which I am so grateful in this current climate) which offer BUPA.
So, probably a case of swings and roundabouts, looking at the other replies :-)
Jeepers xx