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Re: cost effective
Whichever scheme you are with, always check the small print before parting with cash. I know that BUPA are very good when it comes to you needing to have an operation with a long NHS waiting time, so Varicose veins, joint repalcements etc will be done.
What you are looking for is how they treat chronic illness (illnesses which become progressively worse over time). These illnesses require long term treatment and are expensive to treat. They will also consider pre-existing conditions and medical results, so if you have had a dodgy smear test for example, then develop cervical cancer, they may claim that it was a pre-existing condition....
There have even been incidences where GPs who are fundholding refusing to take patients with some chronic illnesses, because they are too expensive....
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 Never put off until tomorrow what you can avoid altogether.
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