A general query for those in the know on health insurance. Given the governments commitment to equal access to health-cover (like that will happen) by 2016(?), what's the point in keeping up expensive health-cover? I know there are extra benefits etc, but surely if the primary cover is in hospital-treatment or seeing consultants quickly is phased out, why pay the high rates, why not keep the premium to just pay-off day to day expenses or consultant visits? Am I missing something here?