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Private insurance
If we were all disciplined enough to put aside the money you paid into private health funds, we could all self-insure ourself. Until you need to be in hospital for 3 months after a major injury that is, and the money you've saved runs out real fast..... I guess with that sort of admission you would be better off in a public bed anyway.....
Private health insurance is great for painful elective conditions - hernias, gallstones, kidney stones and a wealth of orthopaedic complaints (knee injuries etc etc) come to mind as big starters.... for major, life threatening conditions, you are really better off public in my opinion (or at least no worse off).
A review only a few years ago showed the death rate in private hospitals following cardiac surgery was about double that of public units (this was Queensland) - maybe that inexperienced resident at 2am was actually better than nothing when you developed a major complication!
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