Product required in unethical NHS era when poorly? (6,9)

I believe the answer is:

health insurance

I'm a little stuck... Click here to teach me more about this clue!

'product required' is the definition.
I can't judge whether this defines the answer.

'unethical nhs era when poorly?' is the wordplay.
'when poorly?' is an anagram indicator (I've seen this in other clues).
'unethical'+'nhs'+'era'='unethicalnhsera'
'unethicalnhsera' with letters rearranged gives 'HEALTH INSURANCE'.

'in' is the link.

Can you help me to learn more?

(Another definition for health insurance that I've seen is " cover".)

I've seen this clue in The Telegraph.

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