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Probably the worst aspect of the outrageous VHI premium hikes up to 45 per cent as announced this month is the fact that, with so many millions pumped into the public health service over the years, people in this country need to have private health insurance at all. Not so long ago — a mere six months ago actually — the outgoing chief executive of the HSE - Professor Brendan Drumm, suggested that improvements in the HSE were so progressive it would make complete sense for everyone to use the public health service. He consequently foresaw a day where people simply would not have a need to take out private health insurance at all.