Private Health Insurance

Private Health Insurance

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bad company

Original Poster:

18,576 posts

266 months

Thursday 26th May 2016
quotequote all
Mrs BC and turn 60 this year and feel that we can no longer rely on the NHS. We have been looking at quotes from several private insurers BUT we know that you never know if your insurance is any good until you need to claim.

Does anybody here have any experience of WPA and \ or Exeter Life as these seem most competitive. The WPA policy is very reasonable but you have to pay the first 25% of any claim yourself up to a maximum of £500.

Vaud

50,482 posts

155 months

Thursday 26th May 2016
quotequote all
Depends on the treatment, but £500 doesn't buy much privately?

bad company

Original Poster:

18,576 posts

266 months

Thursday 26th May 2016
quotequote all
Vaud said:
Depends on the treatment, but £500 doesn't buy much privately?
£500 would be the cap on the excess.

Vaud

50,482 posts

155 months

Thursday 26th May 2016
quotequote all
bad company said:
£500 would be the cap on the excess.
Sorry, I misread it...

meddyg

70 posts

153 months

Thursday 26th May 2016
quotequote all
I'm interested to know what's happened for you to conclude that you "can no longer rely on the NHS"?

bad company

Original Poster:

18,576 posts

266 months

Friday 27th May 2016
quotequote all
meddyg said:
I'm interested to know what's happened for you to conclude that you "can no longer rely on the NHS"?
My GP simply does not seem to have the budget to refer patients with non life threatening conditions to specialists. I literally hobbled into his surgery a few weeks ago with sciatica. It was so bad that I could not even get to tie my own shoe laces. All I got was pain killers so I paid for my own special is and MRI which revealed a slipped disc.

I'm not against the NHS but for me it was designed for a time when treatment was cheaper and few of lived beyond 65 - 70.

Orchid1

878 posts

108 months

Friday 27th May 2016
quotequote all
Have a look at these guys they seem to get good reviews

https://www.health-on-line.co.uk/

Rick101

6,969 posts

150 months

Friday 27th May 2016
quotequote all
We're with Vitality. Not had to claim but found them easy to deal with and they have a decent website. Do a few 'perks' with their policies too which make it more worthwhile for us.

Only 35 but decided having health insurance was probably more worthwhile than one afternoon in the pub.

Vaud

50,482 posts

155 months

Friday 27th May 2016
quotequote all
bad company said:
My GP simply does not seem to have the budget to refer patients with non life threatening conditions to specialists. I literally hobbled into his surgery a few weeks ago with sciatica. It was so bad that I could not even get to tie my own shoe laces. All I got was pain killers so I paid for my own special is and MRI which revealed a slipped disc.

I'm not against the NHS but for me it was designed for a time when treatment was cheaper and few of lived beyond 65 - 70.
Can you change GP?

bad company

Original Poster:

18,576 posts

266 months

Friday 27th May 2016
quotequote all
Vaud said:
bad company said:
My GP simply does not seem to have the budget to refer patients with non life threatening conditions to specialists. I literally hobbled into his surgery a few weeks ago with sciatica. It was so bad that I could not even get to tie my own shoe laces. All I got was pain killers so I paid for my own special is and MRI which revealed a slipped disc.

I'm not against the NHS but for me it was designed for a time when treatment was cheaper and few of lived beyond 65 - 70.
Can you change GP?
Possibly but I can't see how another GP would not have the same budget issues.

Vaud

50,482 posts

155 months

Friday 27th May 2016
quotequote all
bad company said:
Possibly but I can't see how another GP would not have the same budget issues.
Have you asked them? Or asked to talk to their head of practice?

meddyg

70 posts

153 months

Friday 27th May 2016
quotequote all
It might be worth discussing your concerns with the GP first, to see why they didn't refer. I mention this, because the lack of a referral may not have been motivated by budget (GP's don't actually get charged per referral they do, so they don't lose money if they make too many referrals), it might have been motivated by other factors - clinical decision making for example.

bad company

Original Poster:

18,576 posts

266 months

Friday 27th May 2016
quotequote all
meddyg said:
It might be worth discussing your concerns with the GP first, to see why they didn't refer. I mention this, because the lack of a referral may not have been motivated by budget (GP's don't actually get charged per referral they do, so they don't lose money if they make too many referrals), it might have been motivated by other factors - clinical decision making for example.
If this was just one incident I would agree but NHS waiting lists are not good at the best of times even if you can get a referral. Say my GP had referred me in that instance, it would have taken 10 - 12 weeks to see the consultant, then another 10 - 12 weeks to get the MRI done, then another appointment with the consultant before joining the waiting list for the treatment.

The NHS is fantastic for serious stuff but for routine matters I prefer private.

DaiBakes

26 posts

193 months

Friday 27th May 2016
quotequote all
I have insurance via WPA at work. Used them a few times for the kids with no issues. Good online portal, swift service on the phone and invoices paid quickly.

bad company

Original Poster:

18,576 posts

266 months

Friday 27th May 2016
quotequote all
DaiBakes said:
I have insurance via WPA at work. Used them a few times for the kids with no issues. Good online portal, swift service on the phone and invoices paid quickly.
Thanks for that. A few people have recommended WPA so it looks like we either go with them or carry on self insuring.

blindswelledrat

25,257 posts

232 months

Friday 27th May 2016
quotequote all
Mind me asking what you've been quoted at your age and what it doesn't cover?
I always had it in my head that it becomes unaffordable in your 60s.

C0ffin D0dger

3,440 posts

145 months

Friday 27th May 2016
quotequote all
blindswelledrat said:
Mind me asking what you've been quoted at your age and what it doesn't cover?
I always had it in my head that it becomes unaffordable in your 60s.
I thought this as well. Ironic really, the time in you life when you're more likely to need the services of a health professional private cover becomes cost prohibitive.

At the moment I've got BUPA cover through work for me and the family but haven't had the need to use it. Could have done with it a few years back which is what prompted me to sign up. Bolting the stable door and all that smile

bad company

Original Poster:

18,576 posts

266 months

Friday 27th May 2016
quotequote all
blindswelledrat said:
Mind me asking what you've been quoted at your age and what it doesn't cover?
I always had it in my head that it becomes unaffordable in your 60s.
£219.14 monthly for both of us, I'm 60 & Mrs BC is still 59 (just). We don't smoke and our BMI is low.

Rick101

6,969 posts

150 months

Friday 27th May 2016
quotequote all
eek

That's a bit for than us (35/37). £25 odd each pm.

bad company

Original Poster:

18,576 posts

266 months

Friday 27th May 2016
quotequote all
Rick101 said:
eek

That's a bit for than us (35/37). £25 odd each pm.
And you should be able to stay close to that providing that you don't get any older. wink

Our quote is for WPA Elite cover with 25% excess capped at £500.