What are the downsides of private healthcare?
The main downside is, of course, the cost. Premiums are expensive and tend to rise by 3-5% per year – partly because treatment costs are rising, but also because people are living longer.
Also, it might not work for you if you have a chronic condition, since many of these aren’t covered. And if you’re seriously ill with something like cancer or heart failure, the NHS may offer better care.