YABU.
One person, Psoriatic arthritis, very heavy bleeding aged 52.
Biologics c. £20,000, not including chest x rays, review appointments, blood tests and the delivery service
Appointment with an oral surgeon, excision and biopsy of a buccal lesion (assuming it is all OK and there isn't something awful going on in there) £2,000
Physiotherapy. £1,100.
Hydrotherapy. £1,200.
Acupuncture. £650.
Custom orthotics prescribed by a biomechanical specialist. £750.
Abdominal and transvaginal ultrasound and consultant review. £350.
Insertion of Mirena with local anesthetic 3 weeks later. £650.
Smear test. £250.
Mammogram. £2-350.
HRT. £1,150.
Hearing aids. £1,500+ for bluetooth ones, not rechargable, per ear, assuming hearing test is free and the cause of tinnitus has already been established via MRI the previous year to not be due to anything life threatening.
Fairly obviously to anybody working in insurance, these would all be pre-existing conditions, so wouldn't be covered.
And then there's the occasional illness, vaccination, flare up of psoriasis needing steroid prescription, a flare up meaning an ultrasound guided intra articular steroid injection is necessary in the ankle or elbow, slips, trips, road accidents or anything else.
To me, the cost of a couple of hygienist and dental appointments, eye test and glasses and a wait for non urgent things doesn't seem to be a poor rate when all of that is taken into account.