Private Health Insurance & how to make the most of it ?(8 Posts)
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We have a bupa health insurance which my husband pays into every month through work. We have never used it & it seems like such a waste, hubby cannot cancel it though. Can anyone advise how to make the most of it ?
The whole point of it is to get him back on his feet qui icky if taken ill or injured along with his family
Just feel lucky you Aren’t ‘making use’ of it
I wouldn’t see it as a waste, heaven forbid he needed an urgent referral he could use it.
Or you could use it for the sake of it... vasectomy??
You could argue similar with any type of insurance... ie life insurance... well I’ve not died so not getting full use out of it!!
I use it for referrals rather than wait for nhs so for anything (within the cover) that you would benefit from a specialist. Had 2 knee ops
Also for physio courses
My son had his tonsils out which was fantastic
Just bear in mind any excess
Of course we are grateful we haven't needed it until now..!
@Ilovetolurk thanks for the insight - I'm going to have a read through tonight. Good luck with your knee too !
I think it’s the least waste of money ever. You’re lucky you haven’t used it but we use it for anything which needs a referral and which is covered. My husband is being treated for incurable cancer. Trust me, if it wasn’t for private healthcare he wouldn’t get here today. He has been able to access treatment the NHS wouldn’t even begin to consider. Worth every single penny.
Prior to that we use it instead of the NHS, I can’t think why you would use NHS if you’re covered privately, it’s like night and day. Kids have had all sorts of appointments and treatments, back op for husband, same day appointments at the 1 stop breast clinic, appointments only with specialists that you choose and never with registrars and never having to tell your story again and again and get conflicting opinions. Appointments are convenient times when you are in and out in half an hour rather than spending hours in a clinic and in my experience the luxury of time!
One example, DH has had to see his oncologist in his NHS clinic a couple of times. NHS clinic, quick appointment, summary of results, quick agreement on next treatment. Privately, appointment as long as it needs to be, bloods taken in the room, full breakdown and discussion of results, reports printed off and given to us goes through all scans on computer to explain every single thing, answers questions, makes referrals there and then.
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