The market for medical insurance is dominated by four carriers – Bupa, Aviva Axa and Prudential – which have a combined market share of 92 percent. Despite this focused market, too little competition between private hospital operators has limited insurers’ bargaining power and also resulted in inflated claims costs. It might be a fantastic idea to consider as you are in the Netherlands. If you are concerned take out travel insurance or health care instead of relying on your EHIC. Even though I include the expense of private health insurance then disperse across everyone in the UK everyone is paying an additional #140 (10.3% of individuals have private health ) then folks in Health Insurance UK are paying 2079 that is $2716 or over $100 more.