I sympathise with the Moore family when they discovered the limitations in private health insurance at the time of their baby daughter's premature birth (Viewpoint 23 November). In her case the private hospital was unequipped to deal with her condition fortunately our national health service was more than capable. Despite the substantial insurance payments demanded their failings, which the Moores´ met at the start of their baby's life, were serious. More serious, more numerous and much more frequent are those to be met towards the end of one's life. Shockingly these failings are largely based on financial constraints not medical.