Mudball
Assistant Pro
However you could afford it by definition, as you could have not had it and waited with the NHS like anyone else
If you add up the actual costs of all the premiums plus the tax you paid does it actually pay for all the ops you have over the years? Prob doesn't even cover half so I think you have done well out of it.
Ignoring the insurance bit, but focusing on the Waiting lists. There is a lack of Drs, nurses, midwives etc. We do import a lot of them from overseas. Not sure we are anywhere close to what we need.
I read somewhere that there is a demand from people who want to take up medical career, but the University can’t expand the number of seats available. No funding - yet we pay premium to get overseas staff.