Here's a little something from the TUC that might muddy things up some more.
In these troubled days in the ongoing British medical entitlement saga' I should have thought that private medical insurance would have been an excellent benefit. Were it possible for you to do so, it might even be worth a thought about keeping it on yourself after your employment's eventual if inevitable natural termination.
https://www.tuc.org.uk/workplace-iss...ty-and-medical