I think people need to be billed for some of this stuff, I doubt any insurance companies would entertain paying for additional unnecessary days in hospital.
Ditto to people abusing A&E for stuff they could have waited to go and see their GP about. If you're going to have a private company providing urgent care GPs then let them charge for it, allow people to go there for their out of hours GP service if they like but make them pay for it if they can't be arsed to wait until the next day and go see their usual GP. If they have a genuine urgent case then put themselves forward to be triaged - but if they waste time there and it turns out they've got a sore throat, just want some prescription etc.. then there should be another bill for the nurse's time they just wasted.