Sir: Dr Robert Forman (letter, 7 March) ignores the purpose of private medical insurance: namely to guard against unforeseen medical needs of an acute nature.
If every normal pregnancy was paid for, the premiums would have to be set at a level which would make it impossible for many people to protect themselves against much less routine events such as open heart surgery.
ANDREW VALLANCE-OWEN
Medical Director
BUPA
London WC1
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