To ask how much private medical is.

[RedandYellowSunrise]

So how much are those that can paying for family private Healthcare?
Because we are now fucked.

I have private health through work but that was no use recently when I had a post operation infection and needed a&e and intensive care. You can’t opt out really, NHS is so important even if you’re insured.

Mine is subsidised through work. Me, DH and DC costs me £50 a month with my employer picking up the rest. I would’nt work somewhere that didn’t offer that benefit.

I am insured on my DH’s for free but he pays the tax. It’s better than the one offered by my employer which is also free and just pay the tax. I pay less tax so it’s not tax efficient but his scheme is much better. Still doesn’t cover GP though so I pay for private scripts for my asthma. It’s impossible to get an appointment in advance for my GP or asthma nurse and I can’t just slack off work to spend all morning on the phone for multiple days in a row to get an appointment every time I need a repeat.

Mine is about £1,500 year for the 4 of us - it's through work so I just pay the tax of approx £700.

Just been made redundant though so might look into Benenden

For how often I've used it in 15 years it would have been cheaper to self fund, but I have been lucky health wise. Dearest year was a couple of years ago, mammogram, ultrasound, biopsy, breast op and hospital stay would have cost approx £15k. Saying that I would have used NHS as I think they are brilliant. Only went private as I had it anyway and meant someone else could use the NHS slot I had

£96 per month here is what it covers & what it wont
But doesn’t cover asthma

Here

Around £200 per month, due to age.

I see myself as more important than my house and car and I insure them, so why not myself?

Splog

You don’t need to phone gp to get repeat prescriptions, you can order them through pharmacy2you who do it for you and then deliver to your door or workplace

I have private medical care through work but I will probably lose my job post Brexit.......

I think the OP was intimating that the NHS will no longer be available now that the Conservatives have won.
We will have to wait and see what happens.
Just let me get my crystal ball out!

OP that's like asking how much is car insurance. There is no standard price.

Skyejuly

Shockingly, yes, £600/month. Mine alone is £300 due to chronic illness and a couple of claims that the NHS were just too slow to deal with.

The other 3 adults covered are the remaining £300.

We are getting to the point where we need to consider stopping it but having witnessed a fair few family members being let down by NHS for serious conditions like cancer and cardiac problems it's scary to decide to rely solely on the NHS.Plus in the past, my DH came close to losing his job when he injured his knee and couldn't work. NHS waiting time was, all told, close to 12 months and then 3 months recovery from surgery. Private health care meant that he could have the surgery and get back to work.

I pay £46 a month with BUPA, for me and my daughter. I have opted for a slightly higher excess (£500). I only work very part time, but I see it as an essential item now.

My DH pays £50 each for my 2 DC to be added onto his works Bupa.

Companies should be made to have it as a perk of the job at every level. Usually the higher your rank, the more cover you get. Not saying that is fair, just show it usually works. I worked in 2 non EU countries and your company had to pay for medical insurance and contribute to a government pension for you. This could easily be done here instead of NI but then again not because we have so many people on benefits which comes out of NI too.

I pay £37pm for Axxa for me and toddler DD. We only get 3 consultant apts per illness and a £250 excess but I didn't want a high monthly cost

I don’t think people quite understand. Knowing what people pay for private health insurance in a country where the NHS exists means nothing, because those numbers will be nothing in comparison to what you will pay when the NHS doesn’t exist. Private health care costs things like £50-90 a month because it “fills in the gaps,” as others have said. Even £300 a month with chronic conditions is small. They can afford to charge that because they say, “We will only kick in if the NHS wait is longer than eight weeks,” still rely on the NHS for large things, etc. If you want to know what health insurance is going to cost if the NHS completely disappears, you should be looking at American numbers. Here is the average in a country with no NHS (I have changed dollars to pounds from the article):

“According to eHealthInsurance, for unsubsidized customers in 2016, "premiums for individual coverage averaged £240 per month while premiums for family plans averaged £623 per month. The average annual deductible for individual plans was £3263 and the average deductible for family plans was £5978."

So a few years ago, the average family had to pay £600 a month, and they must pay £3000 at the beginning of each year before the insurance will pay for ANYTHING. And that was in 2017, so it has gone up, so now in 2019, TWO-THIRDS of the bankruptcies in America are due to medical debt.

This is why you MUST fight tooth and nail for the NHS.

www.cnbc.com/2017/06/23/heres-how-much-the-average-american-spends-on-health-care.html

www.cnbc.com/2019/02/11/this-is-the-real-reason-most-americans-file-for-bankruptcy.html

I can’t get it 🤷‍♀️

So I’m double fucked

All my conditions are life long and will be debilitating eventually, so I’ve decided I will just book my place at dignitas when the nhs collapses as I sure in hell cant afford the 8k every month for one of my treatments!

RightYesButNo

I pretty much agree with you, though we don't have an 8 week wait, we can opt straight for private treatment. The thing is once you start claiming previously affordable premiums soon shoot up, chronic conditions are t usually covered past initial diagnosis and treatment, emergency treatment isn't covered, pregnancy and childbirth aren't covered, we are in London and pretty much none of the private London hospitals are included in our policy but they're the ones who do cardiac and certain cancer treatments so basically the cover is quite restrictive. It's only really good for one off fairly straightforward surgeries - orthopaedic, cataracts, hernias etc.

I can’t believe these figures

£20 a month
£100 excess.

www.countymedical.co.uk/premiums

Careful of pre-existing conditions.

I thought I would make use of the private medical through my partners work to have my back problems investigated properly. Nope. It’s on my medical records that I’ve been to the GP/had physio so they won’t over it.

I paid £2k for my daughters tonsillectomy to bypass NHS waiting times.

We pay £130 a month for private GP - that guarantees a same day appointment, including home visits if we can't get to the surgery. Unlimited visits per month.

Then approx £180 a month with Axa PPP for healthcare.

I use NHS choose & book to go to my local private hospital for anything where the wait to see a consultant is going to be too long & the NHS has a contract with them for. Gynaecology, Orthopaedics & general surgery are all done choose & book in my area. I have had 3 gynae, 1 general surgery & 1 Orthopaedic operations all done at the private hospital, the only difference between being NHS or private was I didn't get a free newspaper in the morning. I had a private ensuite room, the nursing staff were amazing, pain relief was given as soon as I needed it, I could have someone stay with me as I'm terrified of hospitals, it is on my records that I am terrified & the staff do everything to make my stay bearable. Everything happens when it is supposed to, I only need to be in an hour before I am due in theatre so there is no nervous waiting around, I nearly always get the same lovely nurses who can't do enough for you. Discharge is always well organised, the drugs to take home are organised before I go to theatre & as soon as the consultant is happy, I can get off home. People saying that going private means there is no emergency care, my mum had an op there privately & an emergency arose after she got home, 1 phone call to the hospital & the surgeon was there waiting when my mum arrived at the hospital, he whipped her back to theatre & sorted everything out. The hospital I use has high dependency & intensive care wards as they do heart & brain surgery.

We have it not sure how much but just to say it doesn’t cover chronic illness, emergency or cosmetic (usually). Also check which hospitals are included.

Worth doing though.

I googled County medical:

WHAT A COUNTY MEDICAL PLAN DOESN’T COVER

"Treatment of medical conditions you had, or had symptoms of, before you joined.

Any treatment in the Accident & Emergency department stabilised and further management deferred as a planned procedure

Treatment of ongoing, recurrent and long-term conditions (chronic conditions).
Treatment of Cancer. If you have selected the optional cancer coverage then we will however pay cash benefits as shown above.
Kidney dialysis
Organ transplant
Cosmetic or lifestyle surgery

Drug or substance abuse
Professional and semi- professional sports
Any obesity surgery
Self-inflicted injuries
Sexually transmitted diseases
Congenital or genetic disorders

Mental health and behavioural disorders

Procedures on children under 2 years.

Routine pregnancy and childbirth.

Any treatment undertaken outside the United Kingdom (unless agreed in advance)

Professional and semi- professional sports
Complimentary medicine
Dental treatment
Experimental or unproven treatment
HIV/AIDS
Infertility or contraception
Prevention and Surveillance –
Routine eye care
Out-patient drugs, dressings or medical appliances
Unauthorised claims, unless pre-approved by us
Activities not directly related to your treatment – such as any report writing or provision of certificates"

What exactly do they cover then?