Yes and no - if I was in real trouble I’d want to end up in the public system (where I work and where the care is the best) but PHI is great for the things you

Yes and no - if I was in real trouble I’d want to end up in the public system (where I work and where the care is the best) but PHI is great for the things you never know are going to happen. Generally your life will be fine without it though