On the other hand if you had a heart attack and needed urgent heart surgery - it would be feesable with private insurance to have surgery that day. It really is tough call - we use ours for chiropracter, physio, have seen a naturopath, dentist and optician. Waiting times are definately reduced with private although in the public system they are not nearly as bad as the UK. Im glad we have it, but would be selective with what i used it for I suppose.
Hope it helps