We're not covered for accidents (well we are but we wouldn't go private for an accident)... like you said, you won't be refused instant treatment in an emergency. It's more to insure us against non-emergency health issues... like root canal treatment! You also hear of people who could have had earlier life saving cancer treatment etc. I just don't want to see any of us on public hospital waiting lists.

ETA: hope you're ok now Snuggly!