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Wow thanks All. Bran, not in the Medical profession, was just a visit where I snapped a selfie :) Lines up with what I've been thinking, probably time to bite the bullet and take a minimum basic over. Partner has good cover with added Babymaking option so she is not really fussed.

Hi Apologies if this has been covered before. I also would contact my accountant, but Its a public holiday and I'm keen to get further opinions :) So, up until now i've not had any inclination to purchase private healthcare, I'm an active 31( hence the rush) year old who has had no need...