I quit BUPA almost a year before my wife needed an operation for a perforated eardrum (unfortunately)
Her consultant at the local hospital told her if she had private medical insurance she could have an operation within a couple of weeks at a time of her choosing and stay in a private room.
As this was not available, she had to undergo all manner of tests spread over a good 9 months then wait 18 months for the operation.
Her stay in hospital was an experience.
So it would seem that membership like BUPA can actually make a huge difference.
She suffered quite badly during the time taken to have the op and at times I was embarrased at the delayed time and very limited treatment she received.
Still, I have a great respect for the NHS, after all a perforated ear drum (although very painful) is not an emergency.
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