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Apologies Skater - I was alluding to the fact that many people who have health insurance, while avoiding other forms of insurance would be doing it purely for tax reasons (rather than to be able to make claims).

To be honest I think it all comes down to how much in costs you're happy to absorb when an event does occur. And then you insure based on that level (and likewise set your excesses accordingly). Its the same as when people decide not to insure their car anymore because its not worth very much...

I can't tell if you're serious or not? I think you may find for some people the reason for having private health insurance may be more than just getting to jump the line for optional operations.... As for the insurance debate - I currently utilise landlord insurance, but I am serious...