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?

The problem with some policies is you have to get everything approved and sometimes cover the cost till it's approved . Plus ore existing conditions . Shop around and I hear Buoa are OK

It's a rich persons game though , unless you can spare 100 a month I would stick with the NHS

Thank you for all the advice. To be fair it's pretty easy to get an appointment at my GP surgery, it's getting referred which is harder then the wait for hospital appointment that takes forever!!
I think as my problems are mostly pre existing sounds like I would have to pay on a needs basis.

Nothing atm as MrNC has insurance through work, which covers the family. As usual it doesn't cover GPs, most mental health, emergencies, medication taken home.

However his contract is about to end so he asked the insurer how much it would be to keep cover going. £2500, they said. I said that might be worth stretching to, to keep us all covered for the year.

No, the £2500 is PER MONTH! That's basically our entire take-home pay!

Private self-pay appts are £150-£300 so can be worth it.
We may keep Denplan for dentistry for us but not for the kids.

Ours is £3000 per year paid by employer for a family of 4 which includes DenPlan. Its a very good policy. My tax free allowance is reduced by this amount so i actually pay 20% myself as it is a benefit in kind.

£800 a year I think, but definitely doesn't cover pre existing conditions

No idea as it's through DH's work but we'd buy it if he didn't have it. We've always had it as standard. It covers all existing conditions, cancer care, inpatient psychiatric, unlimited out patients, a stress counselling helpline and a GP on the other end of the phone 24/7.

I would speak to a Broker who specialises in private health care insurance

We have BUPA through DH's work, which is the best and most inclusive policy they do.

However I think you will struggle to find an insurer that will take you and cover your pre-existing conditions. It's really like trying to take out car insurance after you've had an accident and expecting them to pay for the repairs.

I would be very interested if you do find someone who will cover you .... would you either send me a PM or post on here if you do.

Meant to add ...

If you already have private insurance, a competitor will sometimes take you on and cover exciting conditions.

Also, some company schemes will cover you

I have private health insurance for me though work. It's BUPA. It costs £987.62 per year for the 30-49 age group (cheaper if you're younger, more expensive if you're older) with a £100 excess which is only payable once in any treatment year.

I'm going to look into this more and report back because I think it covers pre-existing conditions to some extent. I once rang up for a referral for pelvic pain that had been going on for years. I told the man on the phone that I'd had the symptoms since before I took out the policy and he said 'that's fine, you're on a comprehensive policy so that covers pre-existing problems'.

We pay £170 a month for 4 of us which covers DS1 and I for pre-existing conditions as well as general cover. I wouldn't be without it unless we really couldn't afford it.

I had an oophectomy last year privately and DS1 has had three surgeries on his ears over the last 5 years. DS2 is about to undergo a tonsillectomy privately and the amount of stress reduced by having the cover is huge.

Ooooh Benendon look great. NOT

what the fuck do they cover then? tropical diseases????

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.

You don't need a monthly policy if you've got existing conditions, you just need to pay privately to get the operations (or whatever) done as one-offs.

you just need to pay privately to get the operations (or whatever) done as one-offs - emm, lots of people don't have thousands of pounds spare to pay for those procedures - one-off or not.