Someone said :
If you go to A&E there is no point in using your insurance it's not going to get you anything extra. What private insurance is vital for is operations. You can just ring a few private hospitals and see which one will operate the quickest. In the public system you could be waiting years, I think it's worth the money for health insurance, if you have to wait, you could be dead by the time you get operation. It's the cost of a trip to Spain.
It's exactly the same surgeons though ( more or less) in all the private hospitals and public hospitals !
Having insurance does allow you to bypass the queues for surgery and tests if you are able to choose.
It's a bit now like Ryanair and their bag policy though, now everybody buys priority so the queue just moves someplace else