I've just skimmed through the recent reply as I'm about to go to work, I'll come back and read them properly later.
Just a couple of points...
To repeat again, I am not expecting private cover to sort out my CTS, if that's what it turns out to be. I understand that insurance doesn't work by taking out cover after the incident I want to claim for. I am trying to prepare for any unknown, unrelated future problems.
What's the difference between outpatient and inpatient ? Is it simply whether you stay overnight in hospital ?
For example, my tests last Monday where I turned up at 10am, had the tests and left at 11.30am the same day.
If I only had inpatient cover, would they have paid for that, subject to the excess ?
Being vegan and straightedge and exercising regularly, I am far less likely to get most of the usual illnesses that are common amongst overweight middle aged men. It's mainly sports injuries I am concerned about.
I never took out pet insurance on either of my dogs. They both needed expensive treatment towards the end of their lives, but overall, I reckon it cost less than a lifetime's insurance premiums.
Any insurance is a shared risk. If I consider myself a better risk than average, then I will be subsidising those who are a worse risk.
I've just got to work out whether the benefits of a healthy lifestyle outweigh the risks of mountain biking and weightlifting to decide whether I am above or below the average.
In other words, should I just wait until something goes wrong again, then pay for private treatment if I'm not happy with the NHS.