Re Pharmacy First, it actually only covers a few conditions, and looks like I wouldn't have been covered:
Pharmacy First covers treatment for seven common conditions, including earache (ages 1-17), impetigo (ages 1+), infected insect bites (ages 1+), shingles (ages 18+), sinusitis (ages 12+), sore throat (ages 5+), and urinary tract infections in women aged 16-64. Pharmacists at this location can provide advice, treatment, and prescription medicines for these conditions, updating your GP health record automatically.
But I'm still going to query being charged for the whole thing!