Private health insurance is by definition avoiding the NHS, which was 10,000 miles away anyway, so I’m not sure what point you’re making here? If the terms of the policy were we’ll fly you home in cattle class and dump you on the taxpayer then that should be made clear
https://www.insureandgo.com/media/1228/iag_mf_pw_adv_0518.pd...
Page 20 says:
What you are covered for
We will pay up to the amount shown in the table of benefits on pages 4 and 5 for any costs for the following that are reasonable and necessary (see definition on page 14) as a result of you being unexpectedly injured or ill during your trip.
1. Emergency medical, surgical and hospital treatment and ambulance costs.
It also says:
Special exclusions which apply to section B
We will not cover the following:
2. Any treatment or surgery which we think you do not need immediately and can wait until you return home. Our decision is final.
12. Any medical treatment that you receive after you have refused the offer of returning to your home area, when, in the opinion of our medical advisors, you are fit to travel.
You can’t say “immediately” then take 4 days to reply, that’s unrealistic
It seems to me that the whole thing is "I bought travel insurance and I thought I would be getting global health insurance, but it turns out it's really travel insurance."
I guess because the NHS is paid through your taxes it may not have been so blindingly obvious to someone in the UK that anything similar to what he is asking for would have cost at least "300£ per month" (and that is assuming he is young and healthy) instead of "300£ for 18 months".