Pharmaceuticals account for more than half of private expenditure (Figure 3, Panel B), and for those with long-term illness and retirees, that share rises to about 75% (Green Book, 2009). Specialist medical services paid out of pocket, typically consultations provided at private medical facilities, is the second largest component of private expenditure. Pre-paid packages of medical services are also purchased by employers from specific providers. These packages include occupational medicine as well as primary and secondary treatments and have been growing in importance in recent years.