Mr. Bernard Gloster:

I think it will have implications for the insurance market and the types of products that are made available by the insurers, and also in how the care is provided. That will take a long time because we have had a system in place for many decades. We need to carefully manage the changes we make. We need to understand the implications but the changes will have significant implications. Whether it leads to a change in the number of people who take insurance will be a function of people's circumstances, their risk aversion and financial capacity and the ability of the public system to meet people's needs.