Hi Suki,
You will be attended to in the event of an accident, no matter where you are from....don't worry about that !
BUPA is the best private treatment you can have....but yes it's quite expensive, not sure of costs but you will have to pay for both of you. And the fact your husband has an ongoing condition it will be more expensive.
It really is the only way he will be able to see a specialist, I'm sorry to tell you this, it is just how the system works.
Google BUPA and they will have an idea of costs on their website and where you can find the specialist closest to you. And they treat you straight away !!!
I recently suffered from kidney stones, blood in my urine, just generally wasn't well, and it took me 18 months to get the treatment I needed......if I had had the money to go private it would have been done in 24hrs ! And i have paid into the nhs all my life.
My mother-in-law has recently been diagnosed with non-hodgkins lymphoma and she has been back and forward to the GP and hospital since december, so there is no rush with the NHS !!!
I do hope you get something sorted, I realise it's such a worry for you...but ultimately it will cost you.
Good Luck, Nance