Yammy read Mamies post. ut is clear you do not understand the part insurance plays in the French system. Under the French system you would be covered for all those conditions.
No one in their right mind could see the US system as other than an example of how bad things can be when governed by greed and money.
Some here talk of the NHS being underfunded, but I am less sure. Whenever you have a problem and the only solution anyone uses is throwing more money at it, the result is usually a badly managed and inefficient system.
I would like to see a team of people with knowledge, look at the current system, root and branch, From looking at the demands the government imposes on the system, to how it is run, the endless duplications and inefficiencies at every level from major policies to how appointment systems work. It may be we need to get a clean sheet and completely different sytem based on the experience of other countries, it could be that we need to cut down the obsessive statistic gathering, it might be handing back responsibilities to the consultants. I do not know, but I do think it is time we found out.
What we have at the moment is the NHS saying it is underfunded, The government gives them billions of £s more, and six months later the NHS is back again saying it is underfunded and needs billions more, so the government grumbles and gives in and the NHS gets more billions of pounds, and six months later saying it is under funded, and so it goes on in circle that pours more and more money in, but never gets any return.
The NHS requires a root and branch forensic examination. It needs to be taken apart and rebuilt.