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Re: costs of healthcare pre 1947
I'm not an expert but by the 1920s/30s national insurance schemes (from 1911) covered some costs and cottage/district hospitals were available and treatment covered in many cases by local authorities. Lots of cottage hospitals were set up after WW1 as 'Memorial Hospitals.' There was lots of fundraising and charitable provision. So there was some free or reduced cost provision. What the NHS did was in theory make it a national system free to all and standardise provision paid for by national government rather than being paid by local government which varied greatly according to local views on where the balance was between charity and funding through the rates.
So your parents may not have had to pay anything for your operation or stay in hospital.