Private health insurance is a rort. Don't have it. Never needed it. Three kids, births, cancer etc all no charge https://www.theguardian.com/commentisfree/2016/nov/17/my-patient-had-private-health-insurance-for-peace-of-mind-then-he-got-cancer …
As one of my areas of (reasonable) expertise, I'd argue that it's a bit more complicated than that.
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Not possible. Charging something the government has an obligation to provide is a rort. See bottled water for more evidence.
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One example; public hospitals pay for the most cost-effective implantables. Private patients get more specialized options.
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