Point taken. Thanks.

As we all know, waiting around for an op in the NHS could take several months.
... no, we don't all know that.

Well, here in NZ you would be better off with a private health insurance = use private surgeon/ hospital and bypass the public waiting list. But then, every health system is different.
Why don't you contact an Insurance Broker? They should be able to give you the best options.

Regards,
Fyzzio