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The problem with this is that private health insurance is very cheap because there is an NHS that takes care of emergencies and does more than 50% of the rest. So your taxes keep your health insurance premia low.

Otherwise a comprehensive health insurance wouldn’t cost 200£ a month per person (I just requested a quote from AXA, as a 45 year old with no health problems, adding all packages, unlimited specialist visits and no excess)

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Yeah, there's a reason why it's a standard perk for tech employees - they're dirt cheap to insure.

I'm a bit older than you, and the taxable value of my PHI is £140/month. I've not looked into what that covers, or what the excess etc is, and have never even considered making use of it.

And why would I? When I needed treatment in a hurry, I was blue lighted to Barts and spent two weeks in their ITU getting world-class care free of charge, with not a single thought given to cost or having to call my insurer to ask permission for particular treatments or whatever. Thank fuck for the NHS!

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