Existing conditions & private medical insurance

[LetsDoThis2023]

If existing conditions aren't covered, what's the point in taking it out?

In case you get anything else?!

If you want existing conditions covered it will be £££.

If you buy over the phone then some existing conditions are sometimes covered after a 2 year wait.

There isn’t…they are a money making policy, an existing condition won’t make them money. Also if you have a policy and then get a condition that will then be life long, they will only cover for as long as they like, they can and will suddenly stop covering that condition!

I'm finding the nhs increasingly unhelpful. Considering taking out cover, but already on hrt, have some knee injuries, i'm worried about what's to come. But also don't want to waste my money if they won't pay up!

We use private medical services sometimes but we don’t have insurance because I have so many existing conditions it would be too expensive to pay a monthly amount. We just contact the hospital directly and pay as we go - most private hospitals let you do this. Consultants appointments are usually about £150-250 and then if you do need surgery or treatment you can often take out a 0% interest plan with the hospital to spread out the cost (we go to a Spire hospital and do this, other private hospitals operate similar things).

If you take out private medical cover, then go for moratorium cover rather than full disclosure. After 2 years, when you have not had any treatment or advice/tests for a condition, you Will be covered for it. With full disclosure, you will have health conditions permanently excluded.

From experience, no medical insurance covers Menopause, so your HRT would still need to be NHS.

Hmm interesting thanks for the info