Real and perceived quality gaps in public coverage and delivery systems serve as an impetus for PHI purchases in some countries. Waiting times, increasing demand for choice, and perceptions of inadequacy of public systems are leading motivations in Ireland, Australia, Denmark, and the United Kingdom. Where public cover is not provided, primary PHI policies are purchased mainly to minimise the financial risks associated with illness. Finally, the diversity in consumer attitudes and preferences is difficult to compare across countries. Cultural factors and differences in risk aversion across national contexts may account for a higher inclination to buy private cover in some countries. For example, nearly all those.
