Kenneth .This country is broke and broken the future is Marxist/Socialist benign dictator You will never see any benefit from your private health insurance we will get an NHS type service with access for all .Government got screwed with 5 billion to build a Kids hospital they will just nationalise all hospitals .In less than ten years the future will be every adult will get say 250 a week working or not and you will pay for any state services you use out of that payment if you want more then work .The days of limited or guarenteed access to any state service except paying tax is over .