Private health insurance?

[Lorddenning1]

Does anyone know where we stand if we have private health insurance and get the CV, do they cover it or is it void?

We had an email stating that if we ended up having Nhs treatment due to covid 19 we would receive £250 per day payout from our insurance company raising to £500 per day after the 8th day I think.

I took that to mean that they would take us if possible but most likely all their beds are now Nhs beds anyway so we'd have a payout instead of provision. That was just my take on what they stated above though, they didn't say that we were not covered though.

Many thanks, do u mean they would pay us? Or pay for treatment?

It probably depends on your provider- you should ask them.

My insurer has confirmed they can't provide emergency covid care so offered me a 2- month payment holiday to retain my membership.

They said it would be a cash payment to the policy holder. I'm with vitality.

Private health cover doesn't cover emergency treatment anyway, so COVID 19 changes nothing in that respect (if you need hospital treatment for it, it would be emergency treatment)

The only difference I can see is that they will pay you if you get admitted to an NHS hospital

(Also Vitality)

Many thanks, I think mine is Bupa, sorry if I sound stupid here but I don't get why they would pay you, never heard of that before.

A lot of health insurance companies pay per night spent in an NHS hospital. We got about 3k once as our son was in for 8 weeks, even though it was NICU so no possibility of going private. It was unearned and unexpected (we get cover through work) but very welcome especially given the extra costs involved in having a child in hospital.

Sorry, brain fog, it was 11 weeks not 8 - makes a big difference to the amount per night!

Usually they do a cash benefit as you’re saving them loads of money by using the NHS rather than having private treatment.

Vitality (and maybe others I don’t know) are offering enhanced cashback for CV patients now because they’re nice. Or they want to seem nice and can easily afford it as they’ll have very little in the way of other bills to pay for the next several months as there’s not going to be a lot of private care happening.

Ah right, do u think people would purposely go out and catch it just to get the cash?
I'm not one of these people btw, Iv just never heard of this before, I meant it's good they are doing this, just surprising

"do u think people would purposely go out and catch it just to get the cash?"

Only if they were really, really spectacularly stupid. End up on a ventilator or dead for the sake of 150 quid a night compensation? It costs most people 100s of pounds a year in taxable benefits to have private medical insurance, so it's unlikely you'd see that kind of amount as that significant. Chances are pretty low of ending up in hospital anyway, chances are you'd get a fortnight of feeling shit at home instead. Honestly, I don't think this is a Thing!

Yeah I agree, sorry I had a wine 😳