Astrid, like I said, it's personal choice and that was my opinion. I do agree with you though, income protection is important.

My Dad died 4 weeks ago now also of a major illness and also got the care he needed whilst the debilitating disease took over his life. I am sorry to hear of your sister. I am not taking my Dad's death that well actually and miss him so much already, he won't even get to see Madeleine but I know he'll be looking down from above

Anyway, any subject like this is touchy but I think it's personal choice what you choose to do with your own health needs.

Sometimes I think all that money you pay monthly, surely you don't come out of hospital paying some extra hidden costs. But...it's the way it is unfortunately!