In reply to Postmanpat:
I wasn't talking about the UK. I was talking about NZ.
Here it is somewhere in between the US and the UK as I described above.
Emergency and accident related treatment is free, including sports injuries. Life threatening conditions are treated free. Pregnancy is covered free. However everything else costs you money, and quite a lot of it too.
For example, visiting the doctors costs $45. That feels like about 30GBP relative to what you earn. Even as a reasonable earner, I tend to put things off for a bit rather than go straight away due to the cost. Opticians are about $60 for a check up, about 40GBP and dentists more like $100 (60GBP). That is expensive and something you have to think about. Also all drugs have to be paid for at drug price. For example I have to pay $100 every 3 months for prescription drugs. An x-ray to find out if you actually have something wrong will put you back about $200....
You have to pay for children too. A reduced rate, but you still have to pay for them. Can you imagine if you happen to have an accident prone kid. You'd end up having to choose between buying them school clothes or getting them treatment!
The service is very good here. The doctors are aware that you are paying and as a result don't tend to refer you to people unnecessarily or keep you on drugs you don't really need. You get the treatment when you need it and you don't have to wait weeks for an appointment.
It is somewhere in the middle and for the vast majority of the people, most of the time, it doesn't cause too much of an issue.
However, the occasion where we just had to make use of our insurance would have ruined some families. It was a non-critical condition which would never be covered by the health service. However it was having a very negative impact on lifestyle as many things had to be avoided. In our case it didn't mean being unable to work, but for some people it could. It was a very simple treatment, far more simple than many things, yet it cost so much that if we'd had to pay it ourselves without the insurance, we'd have had to take out a loan at 19.5% interest rate. Many families wouldn't have been able to afford that loan or the insurance, and even worse, if they'd got to the point where they couldn't work, they wouldn't be able to save for it either.
The time when it really affects you is when you get old. Here if you are an elderly person who is completely healthy in every way, but at the age of 65 for example need a hip replacement, the chances are you will be unable to have one. Reason being that by that age, insurance prices have gone through the roof despite the fact that you have paid in for 40 years and have never claimed. On your meagre pension that is an expense you have had to discard. The problem isn't life threatening so the health service won't cover it (they do technically, but you get put on a list which few people actually make the top of). The only other option is to pay for it yourself, something you probably can't afford to do without selling up, which at 65 isn't really an option as you don't have any working life left to get more capital!
Difficult choice, never walk properly again, or lose your house (and then where do you live?)