One more note about English private insurance:
Son’s mother-in-law had a private policy so when she got cancer, she was immediately admitted and got fast care and a private room. She eventually died but, in my opinion, she would not have lived that long had she not had private insurance.
If you’re elderly, have your vitamin d levels tested. If you’re low, supplement with d3 and keep getting retested.
Find a doc willing and able to do these things.