"Thank goodness I use BMI Healthcare"

Well don't thank it too much Bonzo - you may find yourself, as I did, with a life-threatening illness requiring two lots of major open-surgery, which:-

a) my private health insurance didn't cover the hospital level that was essential for the procedures to be carried out, and
b) even if it had, the consultant (one of the top men in the field in the UK) wouldn't do it privately, only on the NHS (God bless that fine man!).

So, I ended up having three years-worth of treatment, including two operations and numerous stays in hospital, in one of our best teaching hospitals, and at the taxpayers' expense. And a damn fine job those men and women did - I'm eternally in their debt.