Agree on the "rubbish" subjective on health insurance. Anyone at anytime could be faced with a massive bill. I am 70 year old and have just taken out health insurance, it is not perfect but I am covered until I am 99 year old, by which time I will be pushing up daisies, it suits my requirements, touch wood I am pretty healthy for a 70 year old. The proof of the pudding will be if I have to make a claim