WHO Poll

On The Ball 10:34 Tue Jan 15
Health insurance
I have every faith in our wonderful NHS (it has the bestest, brainiest, handsomest staff), but a recent illness suffered by a friend (and her subsequent excellent treatment) has led Mrs OTB and I to consider getting insurance.

Obviously as I spend every day helping save lives for free I don't know much (anything) about it. What we've glanced at makes it look like Bupa is best, but it's a tough one.

Anyone got any advice/insults?

Replies - Newest Posts First (Show In Chronological Order)

one iron 4:53 Wed Jan 16
Re: Health insurance
Try this company,been with them 3 years, GET GOING TRAVEL INSURANCE 02038296613.

J.Riddle 3:21 Wed Jan 16
Re: Health insurance
The other problem is that the premiums go up considerably every year particularly as your age becomes higher risk. Some just put an equivilent amount every month into a savings account to cover any eventualities.

J.Riddle 3:18 Wed Jan 16
Re: Health insurance
They add many caveats, one of the main ones is that they will not pay for chronic conditions. Therefore best to be upfront with existing conditions, as if had previously most likely will be considered chronic going forward if treated again, hence not covered.

Even if you have a new condition which is treated and that initial claim settled. If that same or related condition returns you may well not be covered.

A relation fell foul of the above, initially operated on for lung cancer, when admitted later after the cancer returned to private hospital for cancer treatment, they refused to pay when it became clear an extended stay maybe required citing a chronic conditions were not covered. He died very quickly when I assume the cancer drugs keeping him alive were withdrawn. Beds in private hospitals, cancer treatment are very expensive so affective ly a price is put on your head.

overbyyer 3:04 Wed Jan 16
Re: Health insurance
I think you'd have to get your cover absolutely right, as they will seek to avoid paying out, just as other sectors of insurance do - the big insurers don't differentiate between broken cars, flooded houses or sick people - if you don't have the right cover, or have omitted certain detail then you'll no doubt have a fight on your hands.

I would expect personal health insurance to be a totally different experience than having private healthcare provision as an employment benefit.

Spandex Sidney 2:16 Wed Jan 16
Re: Health insurance
The main benefit of this is access to see a consultant, that is where the waiting lists are in the NHS. You also get to ponce about in a posh hospital if you need treatment.

If your main concern is jumping the queue then a consultant appointment on a private basis will be about £250-£500 notes and then they stick you in for treatment, which will still be longer on the NHS. But most of the waiting is the initial consultation.

PMI will get more expensive with age, a lot more when you are getting to the ages when you are more likely to need it, factor this in.

Alternatively, whack £100 a month into some savings as your own PMI and when it comes to treatment pay for it yourself. My uncle paid £10k for a hip replacement at 77 himself but his insurance premiums at that age would be astronomical.

Your money, your choice.

AnotherDay_SameShit 12:56 Wed Jan 16
Re: Health insurance
Some good advice here tbf, to recap..

1) Find a company that guarantees payments so you are not chasing up refunds (assuming you can pay anyway)

2) Try to find a company that is partners with a good, nearby hospital.

3) Be honest about past ailments.

goose 12:53 Wed Jan 16
Re: Health insurance
i wish i'd had health insurance 12 months ago!
as of end Feb i'll have shelled out over £10k on steroid injections and lumbar surgery.

i will never deadlift again.

nychammer 12:48 Wed Jan 16
Re: Health insurance
And I have it good because I’m on a firm plan. If you are self employed it costs serious $$$

nychammer 12:47 Wed Jan 16
Re: Health insurance
Very roughly. I pay $350 ish per month premium with $2500 Deductible per year. That means you meet that figure out of pocket before coverage kicks in. Then depending on coverage and treatment you co pay 20% of all further costs. Dental is covered 100% for checkups, but you pay 20% for fillings and half of all for crowns got charged $500 for a crown last year). God forbid you need implants.

If you are healthy, insurance isn’t good value. I see it as coverage for catastrophic health events that would otherwise cost you your home for treatment.

Northern Sold 12:33 Wed Jan 16
Re: Health insurance
nyc.... mind me asking but how much do you pay annually?? I always wondered as when over in the US when speaking to yanks they always go on about the cost of it all compared to what we get NHS wise...

ironsofcanada 12:33 Wed Jan 16
Re: Health insurance
nychammer 12:23 Wed Jan 16

It is so hard to get a system right and affordable, for the individual and the taxpayer.

The hybrid system in the UK continues to do my head in, (not that I loved the straight Medicare in Canada either.)

Having private and public providers offer the same service just seems so fraught with conflict of interest.

And when I lived in States I was young and had not a health care in the world but there are obviously horror stories.

Westside 12:30 Wed Jan 16
Re: Health insurance
Through AXA with work. Have used it a couple of times for minor issues. All very good and efficient.

My main gripe is that the entry process to the whole thing when you need it, is that you have to see your GP first, to get a private referral. Getting a GP appointment can be tricky at times.

For chronic illness , cancer for example, the NHS is actually better at treatment (according to a GP friend) than the private sector

I administer our work scheme and premiums increase a lot faster than normal inflation (everybody is a year older at each renewal).

BUPA does not have shareholders, it is a company limited by guarantee, so all profits are ploughed back in to the company, for the benefit of it's members. No dividends paid.

nychammer 12:23 Wed Jan 16
Re: Health insurance
I miss the NHS and have grown to despise private health insurance In the US. It’s absolutely necessary but premiums, annual out of pocket minimums and co pays can add up and coverage for repeat treatments can be limited, not to mention drug prices that are a total rip off. You definitely have to think twice before going to the doctor

Mike Oxsaw 12:14 Wed Jan 16
Re: Health insurance
And make sure any hospital you choose actually works with the insurer - some will bill you so you have to claim back later, so you'll need cash in the bank to cover costs up front; plus there's the risk that they suddenly decide whatever your claiming for is suddenly excluded as an "etc. condition"

Northern Sold 12:02 Wed Jan 16
Re: Health insurance
To be fair my NHS elbow (ulnar release surgery) from going to the quacks - to specialist - to operation .... at a private hospital... with a cheese and ham toastie was only about 5 weeks... more than happy with that...

Dr Moose 11:53 Wed Jan 16
Re: Health insurance
You'll pay through the nose to cover everything major that the NHS will do in an emergency. The plus of private is that you get seen quicker.

Westham67 11:46 Wed Jan 16
Re: Health insurance
Make sure you declare every medical issue you and Mrs have had. Because if you need a big payout they will be asking for your medical records before they pay out

They should give a GOP if either of you is hospitalised a guarantee of payment

, 11:45 Wed Jan 16
Re: Health insurance
One of the odd things about taking out a policy is that the insurer will insert exclusions based on your known medical record ( and it is important to fess up to every ailment and GP/hospital visit ). A relative of mine had a set of exclusions which according to a medical insurance actuary accounts for nearly eighty percent of general claims yet she still had to pay the full policy price. Ludicrous situation.

Northern Sold 11:42 Wed Jan 16
Re: Health insurance
Blimey Charley all I got was a cheese and ham toastie... :-(

Westham67 11:42 Wed Jan 16
Re: Health insurance
Also, go for inpatient only and resulting outpatient treatment will be covered also include critical illness cover

Westham67 11:38 Wed Jan 16
Re: Health insurance
LUMA is the best one I get it for my wide kids and me

Leave accident out because the NHS will cover that rapidy

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