Another vote for hang on, if they take your money and don't deliver the goods, isn't there a law about that?.

Thank you.

Quite apart from the perpetual amazement that anyone thinks this is a good way to run a health service!

It's a terrible way to run a health service! There's no reason for it except inertia and greed! It's worsened in my lifetime! You should not monetize people's right not to be constantly ill and dying.