Do you have private health insurance, a few questions..

[ssd]

How much do you pay, what age are you and who is it with?

And do you recommend it?

Intermediate coverage for two mid-30s adults for £85 a month. It went up by another £10 a month, so we cancelled it. It would make more sense if we didn't also pay National Insurance. But there we are.

About £150 a month. 53. No really health issues / exclusions. Bupa.

£102.57 a month with BUPA for me and 3 DC. I don't think we have central London hospitals included though. This is as an add-on to DH's company policy.

I haven't used this policy, but I did use my own about 15 years ago and it was worth every penny. I had a condition that was making it virtually impossible to commute into work (this was before remote working was really a thing in my area) and it was at least a 3 month wait to see a consultant on the NHS. I saw someone privately that week.

We have Bupa. I fortunately get it through work but I personally pay for 20 year old DD’s policy. Hers is currently £55 a month. High for her age but this is because we’ve had to use it a lot in the past year or two. She’s had 2 operations hence it jumped up quite a bit upon renewal. They’ve covered everything she has needed without fuss so no complaints here

I 100% recommend and can’t imagine life without it. I wouldn’t feel safe or comfortable having to rely on the NHS anymore. Before we got insurance DD had to wait an entire year on major spinal surgery (NHS) all whilst she deteriorated and was in extreme pain on a daily basis. I told myself I would never see any member of my family in that position again

£272 month for the 3 of us with Bupa.
41, 49 and 5 year old

My goodness, I don’t think I’ve ever seen a policy that expensive!! 🫣

Aviva
55 per month for me and 2 kids !

We get it through DH’s work. Vitality. I’ve had three operations. If DH changes jobs we are keeping the policy.

I get it through work. The whole family is on it. Not sure how much it is, I just pay the tax on it.

£182 p/m family of 7 ( 4 kids and one young adult). Fully comprehensive including cancer cover, mental health, no excess, no claim limit, includes central London Harley Street etc. Also includes private face to face GP at 20£ per visit- this doesn’t affect your no claims bonus.
We have big discount due to no claims.
bupa

I consider NHS care unsafe based on my own experience.

£4,000 per annum family of 4 adults via Axa. Like most private health insurance it has limits , particularly for outpatient care . So it can run out if you need to have multiple investigations. Also as premiums rise with claims ,small one off procedures are best self-funded especially with a £500 excess. Best to see it as insurance against a major op (hip etc) where the NHS waiting lists are long, rather than an alternative healthcare system

Get it through DH work. Obviously he pays tax on the benefit amount, but no idea how much that is.
Its Aviva. They have been great. I had cancer (fine now) which, thanks to the insurance, was diagnosed very quickly and I could start NHS treatment within a short time frame. Aviva were very easy to deal with. Would not be without it now. (We are 61, & 62)

£86 per month for 1 adult and one child. Had it 10 years and have used it once for my son to see an ENT with no waiting time. Still had to pay a £150 excess but the consultation and subsequent investigation cost £500.

Also used their online GP service which is free and doesn't harm your no claims bonus.

Keep thinking it's a waste of money and I should cancel but I just know the minute I cancel, I'll need it for some reason or another and wish I hadn't. I think it's worth it for the peace of mind.

That's with BUPA.

WPA through work. It covers my whole family - I just pay the tax on it - and we've used it loads for operations and diagnostic tests. It's literally saved 2 of our lives by getting swift consultants appointments that showed life threatening conditions. It's also great for paying out a per-night in-patient amount when the situation is too serious and we've needed NHS specialist care (eg. brain surgery) .

Yes, two adults £180 pcm. It covers all top level care. The NHS is broken.

I just watched my adult son wait 36 hours for a bed in our local hospital when he had Sepsis.

£82 pcm for me and three dc. No excess and covers almost all hospitals except a few central London ones. Covers everything, it’s fantastic. I got it initially for the mental health cover for the dc but decided to carry on as it was so good.

About £300 a month with BUPA for 2 adults in their 40s and 2 primary age children. That is subsided by work. Service has been high quality, no fuss and minimal, if any wait.