Does private health insurance cover erpc for miscarriage?

[abif2]

Hi, I had a silent miscarriage a few weeks ago and my hospital was going to make me wait over a week for erpc despite significant pain.

I am so grateful to family who paid for me to go privately the next day.

However, I am nervous about ttc incase it happens again as if I miscarry I want it out straight away.

I am thinking about getting private health insurance but wondered if it covers erpc. I will give some companies a ring but wondered if anyone had any experience of this.

Thanks.

it depends, you need to read the fine print
often they don't cover anything pregnancy related

mine covered the op but not the initial consultation which was £150

how much did your private op cost?

I have good BUPA cover and called them to see if they would cover an erpc and they said not unless the miscarriage was life threatening (whatever that means), in which case you would probably go to A&E rather than call BUPA. I asked about private blood tests and BUPA asked if they were preg related, when I said yes, she said they wouldn't cover it.

However, I did a google search and some women have managed to get ERPC through insurance. I think depends on the policy and company.

It cost £1500 but didnt need to have an initial consultaion. Worth every penny but couldnt ask family to do it again.

I will give BUPA a ring but not looking good!

AXA would have paid for rec miscarriage tests, and for an ERPC, although I managed on NHS care. They were really helpful and kind when I phoned to ask

Thanks for all your help. AXA would have covered it but not until 2 years have passed since last miscarriage and sure everywhere else is the same . Oh well, it was worth a try. If it happens again, I will just have to hope the NHS is doing a bit better next time!

Abi - I might be having the erpc this week on NHS. What was your experience and you have any advice on questions I should ask or things to be careful of?

I have had 2 erpcs on Bupa no problem. The policy we have covers miscarriage but not normal pregnancy iyswim

Andie - do you mind me asking which policy you have? Mine won't cover normal preg also but I was pretty surprised when they said they would only cover it under a life-threatening situation.

Cover can vary esp personal policies vs company ones
Thinking back I think our insurance was Bupa at the time (company policy)

Good news - just called Bupa and they will cover erpc! The woman last week gave me the wrong info. Thanks andie for your post as it prompted me to rind them again and double check.

I used to work for Norwich Union Healthcare and AFAIK they refused to cover anything pregnancy related. So I think it really will vary by provider and the level of cover you choose.

I really would get erpc done privately if you can. It was much nicer after being in a private room than a ward. The service was fantastic. Not a nice procedure to need emotionally but done very well in my case. My pain was sorted with ibuprofen as pain killers made me too woozy to cope with dd. Back to normal after a week and not really any bleeding. Its great sh77 that BUPA will cover yours if you need it.

sh77 glad you have got it sorted and as abif2 says it is much nicer done privately as you are guaranteed a private room

It will be sod's law that natural loss occurs before the procedure. I think the hospital I want to go to will do a hysteroscope first before removing the tissues, which is good as it won't be a 'blind' procedure. I was trawling through dandcnow.info, which highlights the risk of asherman's. Freaked the hell out of me as the risk is not small.