Health insurance

[bad company]

mph1977 said:

so you got listed for your NHS procedure based on when you saw the consultant not when the referral was made ?

I saw the consultant privately then had the procedure on the nhs.

[mph1977]

bad company said:

mph1977 said:

so you got listed for your NHS procedure based on when you saw the consultant not when the referral was made ?

I saw the consultant privately then had the procedure on the nhs.

Answer the question

[bad company]

mph1977 said:

bad company said:

mph1977 said:

so you got listed for your NHS procedure based on when you saw the consultant not when the referral was made ?

I saw the consultant privately then had the procedure on the nhs.

Answer the question

I saw the consultant privately then had the procedure on the nhs.

What else would you like to know?

[mph1977]

bad company said:

mph1977 said:

bad company said:

mph1977 said:

so you got listed for your NHS procedure based on when you saw the consultant not when the referral was made ?

I saw the consultant privately then had the procedure on the nhs.

Answer the question

I saw the consultant privately then had the procedure on the nhs.

What else would you like to know?

did you queue jump to get the procedure ?

queuejumping for consultatiosn and imaging is generally tolerated but whhen you are referred backinto the NHS for treatment your place in the waiting list should be calculated from date of referral not from date of consultation

[bad company]

mph1977 said:

bad company said:

mph1977 said:

bad company said:

mph1977 said:

so you got listed for your NHS procedure based on when you saw the consultant not when the referral was made ?

I saw the consultant privately then had the procedure on the nhs.

Answer the question

I saw the consultant privately then had the procedure on the nhs.

What else would you like to know?

did you queue jump to get the procedure ?

queuejumping for consultatiosn and imaging is generally tolerated but whhen you are referred backinto the NHS for treatment your place in the waiting list should be calculated from date of referral not from date of consultation

I really don't know but the procedure was 4 months after the consultation so I think I jumped the queue.

[13m]

Okay, so I went with BUPA.

I went for the top level of cover but increased the excess to the maximum of £2k.

The permutations seem to be endless and I am sure someone who knows their way round the system would have chosen more intelligently. However I needed to make a decision and worked on the basis that we can pay for less expensive procedures if the NHS doesn't perform. If we get seriously ill the NHS will probably handle it, but if we get medium ill we want the fastest and most comprehensive access to treatment at as many private hospitals as possible.

So now we need to try to only become moderately ill.

[rog007]

13m said:

Okay, so I went with BUPA.

So now we need to try to only become moderately ill.

[Zingari]

Interesting discussion and I pondered this many years ago when it was available through a discounted work scheme. I didn't take it up and had I done I would have done near £40k in cold. So the savings/investments I've accrued would allow me a 'big hit' down the private route.

However paying the level of NI contributions I make I'm a firm believer the NHS is something I am paying for and entitled to receive medical treatment. If only they stopped dealing with medical tourists and wasters who self-abuse clogging up A&E departments we'd all have a better service.

I'd rather see the National Lottery funding the NHS (which I believe was an early option) rather than the Arts given that I last visited a museum on a school trip and if I feel inclined to repeat the experience will pay the entrance fee.

Life's a gamble. Do you feel lucky? If not insurance is there as an option.

[iantr]

13m said:

I went for the top level of cover but increased the excess to the maximum of £2k.

The permutations seem to be endless and I am sure someone who knows their way round the system would have chosen more intelligently. However I needed to make a decision and worked on the basis that we can pay for less expensive procedures if the NHS doesn't perform. If we get seriously ill the NHS will probably handle it, but if we get medium ill we want the fastest and most comprehensive access to treatment at as many private hospitals as possible.

Snap. That's exactly what I did. I look on it as catastrophe insurance.

[mph1977]

iantr said:

Snap. That's exactly what I did. I look on it as catastrophe insurance.

Except it's, not the private sector in the UK cannot provide 'catastrophic' cover, equally contrary to the assertions of the teabillies, heily fail and daily sexpest you will not be waiting on the NHS for these kinds of treatments.

even where the Private sector appears to offer tertiary services the list of exclusions and limitations means that the service is not all that useful.

[iantr]

Catastrophe as in chronic illness. That's when you want all the help/cover/advantage you can secure. In reality this can only be secured in advance of any such diagnosis. Clearly a personal decision driven by your own financial circumstances and preferences. Crass generalisations not helpful.

[craig1912]

iantr said:

Catastrophe as in chronic illness. That's when you want all the help/cover/advantage you can secure. In reality this can only be secured in advance of any such diagnosis. Clearly a personal decision driven by your own financial circumstances and preferences. Crass generalisations not helpful.

Chronic illnesses are not covered by private insurance.

Some interesting points on here, but some incorrect. e.g. cancer cover- the top insurers have very good cancer cover and about as comprehensive as it gets- they will also pay for many drugs that certain areas of the NHS won't.
I've had four procedures over the last 5 years- all of which done privately where I benefit from a choice (within reason) of consultant, appointment times, and being able to plan a surgery date around other commitments, and a clean private room.
I've had insurance (through work and personally) since the 80's and wouldn't be without it.

[iantr]

craig1912 said:

Chronic illnesses are not covered by private insurance.

Some interesting points on here, but some incorrect. e.g. cancer cover- the top insurers have very good cancer cover and about as comprehensive as it gets- they will also pay for many drugs that certain areas of the NHS won't.
I've had four procedures over the last 5 years- all of which done privately where I benefit from a choice (within reason) of consultant, appointment times, and being able to plan a surgery date around other commitments, and a clean private room.
I've had insurance (through work and personally) since the 80's and wouldn't be without it.

Careless use of language by me - again! I should have used a less specifically defined term. The real point - as you make clear - is that the cover for cancer (for example) can make an enormous difference. I have seen this at close hand, and that's why I also won't be without cover of this type.

[Ginge R]

rog007 said:

Those paying for their own private health insurance (as opposed to those who's company pay) is in long term decline.

http://www.kingsfund.org.uk/sites/files/kf/media/c...

The introduction of the NHS Constitution has for many negated the need for that private health cover (choice of provider and 18-week maximum wait for treatment pledge).

https://www.gov.uk/government/publications/the-nhs...

Loosely related to this topic, Aviva might find itself in a bit of an employee benefit bun fight soon.

http://www.ftadviser.com/2016/01/25/insurance/heal...

http://www.professionaladviser.com/professional-ad...

https://www.moneymarketing.co.uk/aviva-refuses-bac...