Private health care is adversarial (so you have to look out for your own interests) but this does not automatically imply a conflict of interest. It may become

Private health care is adversarial (so you have to look out for your own interests) but this does not automatically imply a conflict of interest. It may become a conflict of interest if you get your advice about which tests or treatments to undergo from the same health care provider who profits from you taking that advice, but this is something which you have control over: Get your advice from one place and have the work done somewhere else, just as you would for e.g. home inspections. It's not as if public health care doesn't have moral hazards of its own, including conflict of interest. The system may officially be non-profit but the interests of its workers and administrators (profit-oriented or otherwise) do not necessarily align with those of the patient.