Yes I do have "private health insurance"

and yes it is essential and yes it is a lot to pay. It will soon be even more. 

I resent paying it but it really is essential. I am not just older but, when I need a hip replacement or cataract surgery or something else which comes with age, I cannot afford to wait for years.  Nobody can afford to wait for years but, for me, it really will be the difference between living reasonably independently or existing in a nursing home. 

I cannot expect my family to care for me. In my case "family" means Middle Cat. The reality, as our GP pointed out to Middle Cat, is more likely to mean that I will be doing things for Middle Cat. We live close to one another and she has multiple health issues which have led to time in hospital.  Middle Cat is the one who travelled with a backpack of medication. 

Yes, she has private health insurance too. Without it she would likely not be alive. 

Brother Cat would almost certainly have had a lower limb amputated if he had been forced to wait for treatment for a serious infection. It was initially thought to be something else but help brought in because there was insurance to help cover the cost means he is walking around on his own feet. The long term saving and his ability to go on helping his family and his community is surely worth it? 

Private health insurance really is not an "indulgence". You are not "fortunate to be able to afford it". You are simply doing the responsible thing. It is not, as some people suggest, "queue jumping". It is saving the public health system for others who also need it and ensuring you can give back where possible.

The present government sees this differently. They are about to make private health insurance for older people more expensive. It means I will struggle to pay for it but others will not be able to afford it at all. They will go on to the "waiting lists". They will become less rather than more able. Eventually it will cost more to care for them. The move is a short sighted one designed to suggest they are "saving" money and spending it in areas where it is needed even more. In typical government fashion they can make it sound good until you start to actually think about the consequences.

Does the government really want me to stop paying a contribution to my own health cover?