To ask how much you pay for private healthcare?

[Ilovechocolatetoomuch]

I have a lot of health problems and I am starting to think it may be worth going private so things can get sorted quicker, and I'm stuck in pain for less periods of time.
How much do people pay a month?

I looked at this recently. It was about £40 per month - but more importantly, it didn't cover any pre-existing conditions, so useless for my chronic issue (which was why I wanted it....)

It's a bit of a how long is a piece of string question. It will depend very much on factors like age and also your current health problems.

I'm in Ireland and pay €240 per month for DH and I.

For 2 adults and 2 children, not covering pre-existing conditions, extra cancer cover, 95 a month. We have access to paid services and a chunk of free physio and other therapeutic serviced.

Nothing you have already will be covered so you are looking at self paying rather than insurance. An out patient appt £200-300, bloods £50-£100 each, scans £500-1000, day case surgery maybe £3000-10000, inpatient surgery £20,000 upwards.

£250 a month

Its for 5 of us and is quite a good policy

Yikes wicker, that is loads!
I am 30, thanks for all your replies. I did wonder about preexisting mecidal conditions not being covered. I might just ask the gp what she reckons the best thing is to do. I have had several surgeries on the NHS and can't fault them, it's just all the waiting in pain to be assessed that isn't very nice.

My employer pays for it for me and it was £15 a month to add my 1 year old son.

222 per month just for me - have had cancer though

less than £10 a month - and no it doesn't go up if you use it.

Our services
At Benenden, our members experience healthcare with a difference. You can protect anyone under your membership, there are no upper age limits, and no restrictions based on medical history. Our services are discretionary, which means we work in harmony with the NHS to help our members when they need us most. To make the best use of our members’ funds, we sometimes recommend staying with the NHS but in many cases, we’ll be able to help you. In fact in 2015, we said yes 96,065 times.

www.benenden.co.uk/

Although there are exclusions:

At Benenden we believe the NHS does a fantastic job, and we don't aim to simply replicate the excellent care services they already provide. Instead we only use our members’ contributions to pay for healthcare that complements the NHS. Thismeans we’re able to provide a range of discretionary healthcare services and keep our membership affordable

We can't help with:
Emergency care
Surgery for arterial, cardiac, neurological or complex orthopaedic problems or Bariatric surgery. However, The Benenden Hospital Trust offers a preferential rate to members who opt to have their hip or knee replacement surgery on a self-pay basis at Benenden Hospital in Kent. This discount is not available at other Benenden Approved Hospitals.
Cosmetic, breast, plastic, sterilisation, nerve, dental or maxillofacial surgery, or surgery for transplants
Appointments with specialists such as radiologists, dentists, opticians or complementary therapists and pain management specialists
Heart surgery
Cancer treatment
Retrospective services, where our written authorisation hasn’t been sought
Consultations, tests and treatments outside the UK
Services which are delivered by a non-UK, non-VAT registered organisation
We are unable to support ongoing monitoring, follow-up consultations or treatment for the same medical condition. You should seek support through the NHS.
Minor outpatient treatments (MOTs), such as wart or cyst removals, unless Benenden have provided the diagnosis and expressly agreed to fund the treatment.

Don't ask your GP, she won't be able to tell you anything about insurance or whether or not you should go private.

Would you be in a job where you could
look for a new employer who has a group
scheme? That way, depending on the insurer, you may find the group policy doesn't exclude your pre existing conditions. DH's (small) company has a group policy like that.

I paid for a private conculatation with a surgeon (had been referred by go but was waiting for appointment), myconsultation gotme bumpedup his list and near the front of his surgery list. Doesn't seem fair but I wanted the surgery sooner and didn't mind spending the extra cash.....

$240 a month for us it's a pretty good health plan

£78 per month - Axa - in london

I have been wondering the same thing. Although wouldn't help me due To pre existing conditions as mentioned. I've booked in with a consultant that cost me £220 but sick of being fobbed off. Would go into detail but it would fully out me!

I would rather pay and get some answers or aay least be referred on properly.

£120 per month for me and two kids. No pre-existing conditions. Aviva

I am on a group policy with work. It costs about £2k pa for me, DH and children. It doesn't cover conditions we had before joining. I have paid privTely to see a consultant (£200) but couldn't afford the thousands of pounds an operation costs.

$700 a month and company pays the other $1300 till recently and then when I went back to teaching I found the school district pays it all which is amazing. The care we get is of course excellent- no waiting. US.

It might be worth looking at a health cash plan. I have one through work with BHSF. For 9 pounds a month I get cash back on various things like physio, opticians, dentist, and consultations. There is a small amount of cash paid out if you are in hospital. It will cover pre existing conditions as long as you don't claim in the first few months. It's not like private health care in that it won't pay for full treatment, but it might give you a little bit of extra money towards self paying?

People, the OP is asking about current conditions. Cost of insurance is irrelevant, she needs to know about cost of self paying.

If wicker is right then we have paid for our DD to see someone privately on a couple of occasions (no insurance - she works in NHS!). The doctor will give you a quote for the consultation which in our case was about £250. The killer is the private blood tests, if necessary. They can add up to even more than the consultation. But many doctors if you explain that you've only gone private for this one consultation and you can't afford it will make a list of blood tests they'd like to see the results of and you can ask your GP to do them. This relies on a compliant GP and the ability to get an appt. (3 weeks at my DD's surgery).
You may be left with some more left field tests that the NHS doesn't cover so you'd have to pay for them. If you can't afford more treatment you're back in the NHS but at least you'll have a diagnosis.

You can get some policies that would include previous medical conditions but they are very costly. If your looking to self pay pp are correct around £200 for consultation. Blood tests and pathology can be up to 7/800£ if you go to a HCA clinic if you go to a BMI or SPIRE maybe around £4/500 ultrasounds and scans usually around 500-1000 depends on where you go
Best idea is to search for consultants in your specific field of requirement look at what hoSpital they work from and call the hospital and ask for a run down of costs
Most private health insurance companies don't cover "long term or chronic conditions"

Please don't do what lazycrazyhazy said re blood tests. Technically it's fraud and as GPs we don't have time to see our own patients let alone be the lackey for a private consultant.