[roryirvine]

Yeah, there's a reason why it's a standard perk for tech employees - they're dirt cheap to insure.

I'm a bit older than you, and the taxable value of my PHI is £140/month. I've not looked into what that covers, or what the excess etc is, and have never even considered making use of it.

And why would I? When I needed treatment in a hurry, I was blue lighted to Barts and spent two weeks in their ITU getting world-class care free of charge, with not a single thought given to cost or having to call my insurer to ask permission for particular treatments or whatever. Thank fuck for the NHS!