We have private medical cover that my employer set up. They pay half the annual fee. I pay tax on their contribution though as HMRC class it as a taxable benefit. I kept it going into retirement. It was great earlier this year for Mrs sospan. Quick and efficient. When working it was a whole family cover until children reached 18 or were still in full time education. Now just the two of us.
Dental cover is a monthly fee at a dentist within walking distance. Happy with the deal.
We look on the cost as similar to house insurance etc.. when needed it’s there.
Need a new knee? Wait for NHS and it affects your lifestyle. Pay privately and it costs ( circa £12k at least). No runaround trying to get things done. Pick up the phone and it progresses easily.
The NHS has been let down badly by all governments over the years. Tinkering and throwing money at it that gets poorly used.

Plus Four MY23 Furka Rouge