Better Late than Never

I'm not sure what spurs me into action; maybe that recent taxi journey. But I finally get round to sorting out some medical insurance for myself. I guess it's one of the few things in life that you hope is a complete waste of money; ideally, I'll never need to claim on it.
It's not cheap. Well, it's around 27 quid a month. Is that a lot? Sounds a lot to me, but then I'm gradually losing touch of the UK cost of living.