Do you really need Insurance? – last year my father was on a 4 month waiting list to see a consultant so the GP recommended we went private. Booked a private appointment with a consultant for the next day. It was £200 but the medication he prescribed was free on the NHS. A follow up session was also on the NHS as my father was now on the consultant’s list of patients.
Obviously depends on what’s wrong with you but a Pay As You Go approach might work out cheaper than years of premiums for a service you never use.