Yes, good value but far from perfect. I agree that funding needs to be increased as treatments and requirements are a moving target. I don’t know what private insurance would add apart from yet another way of extracting money into tax havens. What’s your plan?Good value? I know people who have been left to die basically and people who have waited absolutely years before they get their routine operations. I personally think there needs to be a massive overhaul through either really upping NI contributions or introducing private health insurances. People think they will get a good service if they become ill but its often not the case. Obviously if people are not in work e.g on benefits, very low waged etc then they should be exempt from paying. It was bad even before the current crisis.