You own a car, you have insurance, you have belongings and you insure them.
You're health is essential but you only take health insurance since you pay a medicare levy if you dont.
You take the hospital part since you really don't want the bills associated with expensive medical procedures, and of course hope you'll never need it.
And yet the extras part of your insurance cover is nothing like these other insurances. I've never struck anyone who thinks of it in the same way as hospital cover: "I have physiotherapy cover but I hope I never need it". No the general perception is - this extras cover should pay for my health. And bummer, it doesn't. But how can it? The companies that provide insurance need to make money, so if these 'extras' products did cover the full cost, it would cost more than if you simply paid for it yourself.
So how important is your health? Who's responsibility is your good health? If we all expect insurance to pay, guess what - in the end it's us anyway! And then we end up with the American mess where health insurance is so expensive no-one can afford it anyway.
So all this seems quite negative, yet the point is that we all have to take responsibility for our personal health. That means both in an effort to maintain it, and to bear the everyday cost of achieving it. We pay our taxes to help with the expensive stuff - but it's time public health policy started to reflect personal responsibility as a first line of defence. And supported it with sensible help and advice, coming from enlightened doctors, nurses, chiropractors and allied health practitioners. if we don't then the future of health care will be one where you don't have a choice, simply because we (collectively) can no longer afford it.