I've had private health insurance my entire life. My parents were advocates of it and insisted I maintain my insurance after I left home. To be honest, I'd never really thought about it until I married and started a family of my own.
Pregnant with our first child, health insurance afforded me the doctor of my choice and a private room in the hospital of my choice. Many of my friends chose the public system and, although discharged from hospital (出院) much earlier, were provided daily home visits from a midwife (助产士) in the days following birth.
I'm happy to say all our babies were delivered safe and healthy. And while I have no regrets about "going private", it wasn't cheap despite my health insurance. My friends, on the other hand, paid nothing.
It wasn't until my children turned one year old that I began to question whether health insurance was worth the monthly expense.
On the few occasions when the kids needed emergency care, we were referred to a new public hospital nearby and received first-class treatment. At that point we began to wonder if the money we were spending on private health cover could be better used elsewhere. Before I cancelled our insurance, though, I was diagnosed with cancer and that changed everything.
Thanks to my health insurance, the time between diagnosis and my first surgery was less than a week. I could recover in my own hospital room and know the team of specialists who were caring for me would be the same throughout my journey. Ten years later, they still are.
Other cancer survivors I've befriended along the way went public with their treatment and have no regrets either, which leads me to this conclusion: there's no right or wrong when it comes to health insurance. I've kept it all these years because I like having peace of mind that my family will receive the treatment they need, when they need it. There are pros and cons for both, and only you can decide what best suits your situation.
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