Earlier quoted context omitted.
As someone in the UK with income in the top 1%, I have never bothered with private insurance because I genuinely don't feel I need it. I occasionally pay for private GP services, and I've paid for some private services for my son, but for the most part the NHS works. It has waiting times for non-essential things, and if you don't want that, you can pay for insurance that gets you seen faster and it costs a pittance.…
As someone in the same income range, and many friends in comparable spot, I have to say that NHS is sometimes ok . Here's an NHS case. Case 1. My friend's wife had her body going numb, like, completely senseless. They didn't have a private insurance back then. It was maddening hard to get past the GP. And then there were numerous tests, and queues, and... She had a viral brain infection that was, luckily, easy to fix…
As for tests, one of the reasons they "are afraid" has nothing to do with being afraid, but what is medically indicated. A lot of private services will do everything "just in case", the NHS won't. That means you often get people wondering why they've not been sent to an MRI for example (as one of the most common examples), because it's only actually affecting outcomes for a very small set of diagnoses. But some GPs certainly do get it wrong, and people need to be more aggressive about changing GPs if they feel they're not being heard.