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.

It really depends on your health, ages, whether you take care of yourself etc. We live a healthy lifestyle and have no serious prior medical conditions and are paying £150 a month for a family of four for insurance. We’ve not had to use it but it’s well worth the peace of mind.

I have a health plan that covers therapies and the dentist and physio which is £18 a month but that's up to about £120 a year in each category (took it out because i was desperate for physio as I had only statutory sick pay and needed to stand up at the job i had at the time and the nhs wait was a good few months and i'd have lost my job more quickly than i would have been seen if i kept needing to be off)

I have asthma so i couldn't afford full on health insurance if i needed it as it's £70 a month.

* What exactly do they cover then?*
All those are standard exclusions.

They cover 448 procedures

£155 per month family of 4 through WPA

Not all private health care is equal. If it's cheap, that's for a reason.

Looking at 1990shopefulftm. £18 per month is £216 per year. Covers 3 categories, up to £130 per category. You need to use everything to make it worthwhile. Unless I misread?

Ours covers under 2 and dressings / drugs etc but the rest looks about right from that list.

There’s nothing like scouring the t&c of private medical to make you realise how expensive healthcare is and what the NHS provides

County med started and managed by NHS consultants and doctors. My experience v positive “despite” Being very cheap!

My DH has private insurance through work for him and ds (7) at a cost of £50 a month. When our ds started having problems aged 3 and was referred for
ASD assessment we approached our medical insurer and found out they don't cover anything 'mental health'. Even when it isn't mental health but actually neurological like Tourette's syndrome. Local NHS doesn't offer support either so we pay a private neurologist twice a year and a private therapist for Tourette's syndrome.

Both the NHS and BUPA have let us down, we are still paying a fortune having both of them 'at our disposal'.

Our NHS dentist went private only too so DH and ds are even paying private dental care. I declined to transfer to a private patient and just don't have a dentist any longer thanks NHS

Instead of coming on here and making such a stupid comment look it up, there’s load of private healthcare companies out there

Does anyone have coverage for mental health or is that considered prexisitjg therefore excluded?

We have PMI through DH's work, as a taxable benefit. I think it's about £1000/year each.

However this in no way reflects the real cost of private healthcare, as under most schemes you won't be covered for pre-existing or chronic conditions. Also UK PMI does not cover any emergency care! You break a leg, get run over, flu complications whatever, then at the moment you go through NHS like everyone else. If the entire NHS goes private you'd be paying for emergency care outright, or through much higher premiums (I think a single UK MRI scan usually comes in at around £500, consultant one appointment about £400 and you usually need at least 2 appointment - an initial and follow up. It's even more in the US as the whole system there is set up to benefit private companies).

Then there's usually a £200-£400 annual compulsory excess each. That's every year, before your insurance kicks in.

When DH had a gap between jobs last year, we looked into setting up our own PMI to cover the gap. DH was quoted about £1500 even though he's incredibly healthy. I was effectively uninsurable due to previous injuries and a genetic condition.

@ PurpleFrames

My policy covers

Mental health counselling

My late parents were in Benenden. My dad was a civil servant for his entire working life and paid into it for decades. Unfortunately they managed to find reasons not to help on any of the occasions my parents approached them for assistance so we were hugely unimpressed.

The Tories have been in and out of power over the last seven decades and we still have the NHS. It’s a lot of scaremongering to assume it’s imminently being sold.

I get free healthcare through work.

The question re mental health.
Some policies cover, many don't. If it's pre-existing it's usually excluded except on some of the more 'luxury/expensive' corporate policies where they don't underwrite separately. However, my experience has been you can get a referral for say 6 weeks of CBT or counselling, but anything longer or more complex wasn't covered.

@PurpleFrames It depends on the policy, mine does cover pre-existing mental health (at a high cost), but it’s a corporate policy with my employer (a very large company in the insurance sector).

£75 per month me(40) and dd(3)

My colleague needs an operation on her back as she can barely walk due to some severe disc issues. She is on a WL to see a person for first consultation in March. She hasn't been able to work for 3 months. She looked into getting it done privately and it will cost £12K. She is fucked really. Free health care for all - eventually. She might have lost her home by then of course.

Out of interest I just got a quote and it was £162 a month but didn't include any of our pre-existing conditions which are, of course, what we're most likely to need appointments for. There are 4 of us - 2 adults and 2 kids.

Eerm I don't think the OP actually wants to know how much private health care is. They're having a dig at the election result, intimating that the Tories are going to colllapse the NHS as we know it and we are all going to have to get private cover.

Probably yep. But if people get private that’s no bad thing.

Lovemenorca, from someone who has worked in the industry for over 20 years I can confirm that they are not all standard exclusions.

Actually to those saying tories didn’t private the nhs, you are wrong. The Tories actually begun the process of the internal market in the NHS.

I’m a NHS doctor. I am devastated by today’s result. I think we should all be very worried and I hope those who voted Tory thought long and hard about what they are likely to do to the NHS before they cast their vote.