Hi there! I have a 3 years old and I just made a private health insurance. The paediatric public hospital where I live has been responding well to my son's urgent needs. I've read my insurance company's list of exclusions and it is quite long and now I thinking that it might not be worth it. Basically, it seems that having an insurance is only good for cancer or leukemia....however, NhS already has a good response to this, I believe. What is your experience? Thanks.