This assumes that you have $100,000 to treat it. The vast majority of people couldn't come up with that kind of money or talk an institution into lending it to

This assumes that you have $100,000 to treat it. The vast majority of people couldn't come up with that kind of money or talk an institution into lending it to them. If you do have the money you can get your own supplementary health insurance that goes above and beyond. (This is common in Canada, not sure about England though.)