I cannot answer your question, but just on the question of having health insurance. We had it for 10 years. paid them around £25,000 and made two claims for cataract ops. So when they doubled the cost when we hit 70. We decided to opt out.
Instead we opened a dedictaed BSoc account we call the health fund. we pay into that account each month our pre-70 health care payment. Nearly 10 years later the fund has reached more than £15,000 despite taking money out for a number of outpatients treatments. And when we go, any money left in the account is still ours, or rather our executors.