I’ve got insurance through work for me and my wife, £90, half of which is taken through my tax code.
If you’d have asked me 15 years ago when i worked in the NHS and it was well funded I’d have said waste of money but I’ve used it twice in the last 2 years and got treated so fast it was scary and for something the NHS probably would say no to.
I’ve got degenerative discs in my lower back, I could still ride 90 mins before they hurt and while uncomfortable wasn’t crippling me but was affecting MY quality of life.
First call got me 6 weeks of physio starting the next day, no real resolution so got referred for an MRI; got it done 48 hours later, found the discs and compressed nerve so referred to a consultant and admitted and steroid epidural within 7 days.
More recently I’ve developed rotor cuff issues, again there’s folk far worse than me but pain didn’t resolve and I couldn’t do things to the extent that suited me.
Saw a consultant and he popped some steroids in there and then.
That’s what I’m paying for, to be treated incredibly quickly with clincians that will treat things the NHS would say aren’t bad enough yet.