Private healthcare has continued parallel to the NHS, paid for largely by private insurance, and is used by about 11% of the population, generally as an add-on to NHS services and mostly obtained by employer funded insurance schemes. That is a taxable benefit to the employee, the value imputed by the tax authorities as income to the beneficiary. Because NHS services are so comprehensive, there are many areas in which the private sector usually does not compete and private insurers almost always refuse to fund. Childbirth and perinatal services are good examples.