To ask what you pay for private healthcare?

[Emergencycake]

Just curious. I don't have private healthcare and am very concerned about what will happen to our NHS after Brexit, so trying to prepare myself (especially after Trumps speech today).

How much for a regular, healthy family of 4? Is it also a monthly outlay? And what level does that cover?

It would be crazy to assume that the Brits have hundreds of pounds to throw at healthcare every month. It would be a massive culture shock here and I have no doubt would break many families

I would hope that there would be a drop in income tax seeing as the NHS would no longer be being paid for so some of the cost of private health insurance would be offset

OhamIreally

Yes we pay a lot less tax

Pickme I'm not sure you understand my angle. I'm a Brit and just interested in what private healthcare has cost other brits. I get the US system is awful. I'm curious to know what to expect that's all.

Tax is often state issue, my state is high tax, many blue states are.
You play Russian roulette, healthy in a red state you are probably quids in.
Have an accident, give birth to a sick dc or similar then you might be unlucky and bankrupted.

Was going to post what pickme did.

Currect prices for private when it doesn't cover emergency stuff aren't relevant.

It's one of the things the idiots who are desperate to dismantle the NHS don't seem to get. They think their 50 quid Bupa means they aren't relying on the NHS

It would be crazy to assume that the Brits have hundreds of pounds to throw at healthcare every month. It would be a massive culture shock here and I have no doubt would break many families
Americans don't have that much either. So they go uninsured. Or under insured. And when they get a bad illnesses they go bankrupt

Family of 4 here - work pay and it's £1700 a year through Aviva (I get taxed though as it's a benefit)

Americans pay (a lot) for birth control too.

And remember even poor people who aren't making any contributions or sahps, and children are still getting the benefit of the NHS.

When you turn up in emergency care in the US with a sick dc the first thing they want to see is the insurance card.
I'm not sure people realize what they risk losing.

The ambulance drivers will ask about your insurance as well. Before you even drive off.

Amd before they charge you per mile.

My DH gets the family Bupa cover through his work, it costs over £2000 per year, he has to pay 40% of that in tax. So it costs us just over £800 per year, I do worry about what we will do when he retires. Do we continue to pay Bupa over £2000 per year, or do we put some money aside each month just in case.
My inlaws have spent over £15,000 in the last couple of years on private health treatment, because if they didn't they would still be waiting now to be treated on the NHS.

Americans pay (a lot) for birth control too.

We de?? I haven’t noticed

Live in a country where we have to. We pay $USD1000 per month - not in US

(family of 4, no health conditions). That is co-pay, so we have to pay usually 25%, many things not covered. Salaries no higher to compensate.

£51 full cover with bupa per month

I am 47 with a pre-existing condition which is excluded from cover (hopefully only for this 2nd year with them and then it will be ignored) and pay £68 a month with Vitality. The annoying thing is that you pull out all the stops to get to their platinum level and the premium still goes up each year. There are other benefits with Vitality although they are hollowing them out a bit but eg 50% off a pair of running shoes is a worthwhile benefit.

Australia's system is good. We have private health at $500 a month for our family of 4. This covers all extras and hospital/ambulance. Hospital cover has a $500 excess, no excess for children. I can go to a public hospital for treatment if I wanted to, or go private and pay $500.

It sounds pricey however we are in the higher tax bracket so would be foolish not to have it as it would increase our Medicare levy not to. If I was on a low income I would have a health care card and heavily subsidised treatment.

Although I think what would benefit people more than standard healthcare is access to a private GP. GPs are gatekeepers and if you can't get an appointment, you can't get into the system for treatment. While there are long waiting lists etc for some NHS care, half the battle is getting to see your GP.

We pay £10 per person with Benenden, as we have pre-existing conditions and wouldn;t get / afford other insurance. it is different as it compliments the NHS though, so only kicks in if waiting times over 8 weeks for example. It has been great though, I used it for varicose veins laser surgery last year and was very good.

I've bought my insurance from my home country (nordics) €362/year. This covers my private hospital appointments at home country and abroad (UK). If there is something that my insurance doesn't cover then I use the NHS.

Where I'm from we also have something similar to NHS. I've always had an insurance but I'm so glad it's not an absolute necessity. I'm also so happy that living in the UK I can also use the NHS.

Lots of people go for cheaper health insurance but, beware, the really cheap ones limit what specialists/hospitals you can go to so you may end up seeing fairly newly qualified specialists, who lack much experience yet, simply because they are the ones who have signed up to the low fees paid by that insurance company (older specialists won't as it is way beyond a reasonable fee and they can't afford to run a practice on such a low fee rate - the new consultants are so worried they won't make private practice pay that they panic and sign anything just to get patients). The other aspect is that the cheaper policies are sometimes only for in-patient care and I think you would find you are far more likely to need out-patient care (consultations/investigations) than in-patient care most of the time.

If you can afford the minimum get one is my advice. The NHS wont let you die and will cure you but 1. You re subject to waiting list and 2. You re subject to a GP’s mistake.

4 yrs I found a lump in my breast but my GP didnt believe me and refuse me a mammogram. As I had private insurance I asked for a referral which she gave me in a very condescending way.

Turned out i had 4 lumps and it was breast cancer. As I was diagnosed privately, I stayed with them for all the treatments.

£200k and a year full of treatments later, I am very grateful I had private insurance. I could have never afforded that unless I sold my house and i would be dead (I was a grade 3 but stage 1 cancer) if I had trust the GP telling me she “could feel nothing and i should relax”

With Benenden I saw the senior vascular consultant who also does the NHS hospital nearby...only quicker! It was still cheap though. They also have their own hospital

No sane government would ever seek to emulate the US system. It costs too much and the outcomes at a population level are poor. A tax based system is the most efficient at a population level. Lots of social insurance schemes seen in Europe have extensive regulation and mandatory contributions which effectively makes them closer to a tax-based system than a market-based insurance system.