Yeah man, I always feel so sorry for the poor insurance companies... cheating wastes of space that they are. The score with healthcare in the UK is that everone who works pays National Insurance (basically a tax). That then covers (in theory) the state old age pension and the whole 'National Health Service' which pays for alcoholics to get new livers, treats chain smokers for lung cancer and pays for the odd gender reallocation surgery among other things. Ok, selling it really short and that's unfair but it is a bit weird. So yes, we all pay for our health service in one way or another but when you need something done, no matter how costly, it'll be free on the NHS.