Appeals, contestations, audit cost (both provider and insurer driven), reconciliations, contract loading, software license costs, as well as general administration, network development, marketing, commissions and profit all are major factors why private insurance administrative costs are higher.

FORBES: The Myth of Medicare's 'Low Administrative Costs'

The Audit Commission, which as a monopoly provider was immune from such concerns, counts the exposure of serious wrong-doing at Westminster Council - which had sold off council homes in a bid to boost Conservative election prospects - as among its finest moments.

BBC: Audit Commission's abolition could be dangerous, say MPs