Page 3 | Private medical insurance

dew141 · 16/03/2023 17:52

All of those can be done privately. (My friend is a private oncologist).

bubbles2023 · 16/03/2023 18:54

I have Bupa myself and dd. Dh gets cover through his work. I pay £804 per year. I really like the 24 hr Gp service which I've used several times, and the fact they can write you a prescription and send it to a pharmacy of your choice. The ability to access mental health and cancer treatment is fantastic.

GwendolenAbott · 17/03/2023 09:30

Orangesandlemons77 · 13/03/2023 10:19

Considering this. Do you have it? Who do you recommend. Family of 4.

Does it cover things like hip / knee replacements? Thanks for any recommendations.

Have been looking at Aviva, Vitality and the Exeter. Also Benenden (have Benenden already)

Aviva have a reasonable policy which kicks in if the wait for treatment is over 6 weeks. Thinking of combining this with Benenden who I have used in the past for diagnosis and liked.

But would it be better / easier just to have one policy overall.

Been quoted around £60 just for the Aviva as mentioned (which would then include Benenden at £47 a mont for 4) or around £100-120 a month.

dont do the comparison on your own, seek the help of a health insurance broker, I can recommend my own, they were able to negotiate a far better deal than what I was offered by health insurance providers and broke down the pros and cons of each provider to me, comparing all of the top health insurance providers available in the uk, tailoring the health insurance exactly to my families needs and also saving me a lot of money! www.myhealthprotected.co.uk

Original poster

Orangesandlemons77 · 19/03/2023 11:58

GwendolenAbott · 17/03/2023 09:30

dont do the comparison on your own, seek the help of a health insurance broker, I can recommend my own, they were able to negotiate a far better deal than what I was offered by health insurance providers and broke down the pros and cons of each provider to me, comparing all of the top health insurance providers available in the uk, tailoring the health insurance exactly to my families needs and also saving me a lot of money! www.myhealthprotected.co.uk

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Do you work for them?

I notice you seem to post this on any thread about health insurance?

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GwendolenAbott · 19/03/2023 16:55

Orangesandlemons77 · 19/03/2023 11:58

Do you work for them?

I notice you seem to post this on any thread about health insurance?

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No, I don't; I'm just trying to help; before they were recommended to me, I was paying an excessive sum of money, for cover which I could have had from another insurance for a lot less.. and given the current climate, I was hoping to spread the word so that others can benefit from their services as well.

Reugny · 19/03/2023 17:08

Orangesandlemons77 · 13/03/2023 17:02

Can you still go to the London hospitals if you are say an hour or so away?

Some of the "London hospitals" aren't in central London.

A couple of my nearest hospitals are included as "premium London" hospitals and when they added the second one I had to upgrade my WPA premium. Otherwise if I needed it I wouldn't find consultants who could treat me in places with intensive care beds.

I haven't claimed in the 10 years I've had it but know when I hit my late 50s/early 60s due to family history I am likely to start to need to claim. I will add on cancer care in a few years.

Seasider2017 · 19/03/2023 17:13

The thing is with them is

say mh— if you take medication that’s classed as pre existing, as with any illness I think

you have to be free from meds,appointments etc not sure if it’s 2 or 5 yrs or it’s pre existing

DeeplyMovingExperience · 19/03/2023 17:23

We got insurance after I witnessed a family member's shocking treatment by the NHS. I don't ever want to see one of my family put through that and I would rather go without holidays than let our insurance lapse.

Original poster

Orangesandlemons77 · 20/03/2023 08:23

Yes, difficult times with the NHS in the past is what has prompted me to look into it as well.

Thing is pre-existing and emergency care would be under the NHS anyway so can't escape it really.

It's bad to even have to consider this but things don't seem to be getting better just worse.

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CallintheClowns · 21/03/2023 07:51

I can't recommend it enough OP.

One of my family has cancer, advanced, and they were able to see oncologists, have scans and treatment throughout the pandemic when the NHS was not so accessible. They were also on a new treatment not available at the time in the NHS.

It's only when you have seen the difference first hand that you realise it's money well spent. Yes, like all insurance, you might never ever use it ( car insurance, house insurance, etc is the same) but when you really do need it, it's a different world.

The best part is you can choose your specialist, (not the one on your doorstep who your GP might refer you to) choose where you go for treatment, have it at times that suit you.

Original poster

Orangesandlemons77 · 21/03/2023 10:59

That all does sound great. Is it worth paying extra for e.g. Bupa?

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Original poster

Orangesandlemons77 · 29/03/2023 14:15

Have just taken some out with Bupa. It's not the cheapest but not as expensive as some of the others were quoting.

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Original poster

Orangesandlemons77 · 29/03/2023 14:28

Reugny · 19/03/2023 17:08

Some of the "London hospitals" aren't in central London.

A couple of my nearest hospitals are included as "premium London" hospitals and when they added the second one I had to upgrade my WPA premium. Otherwise if I needed it I wouldn't find consultants who could treat me in places with intensive care beds.

I haven't claimed in the 10 years I've had it but know when I hit my late 50s/early 60s due to family history I am likely to start to need to claim. I will add on cancer care in a few years.

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Is that the Princess Grace hospital? It's on the Bupa London list too

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Original poster

Orangesandlemons77 · 29/03/2023 15:03

It was only about £5 more as a family to choose the whole list so I did that.

Does anyone know does the policy go up by a lot each year if you use it, maybe it depends on the policy / insurer?

There seemed to be a percentage scale but I didn't really understand it.

Or is age the biggest factor?

We aren't wealthy, just have had times the NHS has been really difficult / life threatening in the past

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GwendolenAbott · 30/03/2023 16:47

The policy will go up each year unless you protect the policy, whether you use the policy or not, who did you go with? I’d advice contacting a broker to review your policy each year so you are paying the correct amount.

Original poster

Orangesandlemons77 · 30/03/2023 19:20

Bupa, might review next year

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Original poster

Orangesandlemons77 · 30/03/2023 20:13

How do you protect the policy? thanks

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Original poster

Orangesandlemons77 · 30/03/2023 20:20

We have decided to change out minds until next year, now.

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Angelonthewall · 30/03/2023 20:32

Vitality are slippery buggers - we are stuck with them now but would not recommend them - they are cheap for a reason - they try not to pay out for claims. I think on balance it's better to pay for private medicine as you need it.

ssd · 30/03/2023 20:37

Orangesandlemons77 · 30/03/2023 20:20

We have decided to change out minds until next year, now.

Do you mean you aren't taking out the insurance now? What changed your mind?

I'm considering this too.

Original poster

Orangesandlemons77 · 30/03/2023 20:43

It was just stressing me out what they would cover or not, affording it and the excess...I think we will stick with Benenden as it's much more affordable.

DH also has an autoimmune condition and on a funded NHS treatment of specific meds

We are not young and it is a bit pricey also

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Original poster

Orangesandlemons77 · 30/03/2023 20:44

Angelonthewall · 30/03/2023 20:32

Vitality are slippery buggers - we are stuck with them now but would not recommend them - they are cheap for a reason - they try not to pay out for claims. I think on balance it's better to pay for private medicine as you need it.

I felt that when they were offering e.g. an apple watch to join.

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Original poster

Orangesandlemons77 · 30/03/2023 20:45

Also I have a specific condition myself (MH) so that would not be covered either. I think NHS MAY be OK for e.g. cardiac or cancer but unsure.

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Original poster

Orangesandlemons77 · 30/03/2023 20:46

Angelonthewall · 30/03/2023 20:32

Vitality are slippery buggers - we are stuck with them now but would not recommend them - they are cheap for a reason - they try not to pay out for claims. I think on balance it's better to pay for private medicine as you need it.

Yes there are payment plans for e.g. a hip replacement.

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QOD · 30/03/2023 21:49

Orangesandlemons77 · 13/03/2023 10:19

Considering this. Do you have it? Who do you recommend. Family of 4.

Does it cover things like hip / knee replacements? Thanks for any recommendations.

Have been looking at Aviva, Vitality and the Exeter. Also Benenden (have Benenden already)

Aviva have a reasonable policy which kicks in if the wait for treatment is over 6 weeks. Thinking of combining this with Benenden who I have used in the past for diagnosis and liked.

But would it be better / easier just to have one policy overall.

Been quoted around £60 just for the Aviva as mentioned (which would then include Benenden at £47 a mont for 4) or around £100-120 a month.

Combine the 2

the 6 week wait is not likely to be an issue and that’s just for procedures. All consultations and scans etc are immediate

Private medical insurance

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