Private Health Insurance
Discussion
bad company said:
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.I always had it in my head that it becomes unaffordable in your 60s.
Try a broker to get decent advise as there are so many variations of cover.
www.usaycompare.co.uk
Aviva are one of the few health insurers that are growing- for a reason
www.usaycompare.co.uk
Aviva are one of the few health insurers that are growing- for a reason
numtumfutunch said:
The_Doc said:
From my end, BUPA are at the bottom of the pile and interestingly WPA are at the top.
I don't pay premiums though, I deliver the product
AgreedI don't pay premiums though, I deliver the product
bad company said:
£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.
Serious question: have you considered how much treatment/consultant time you could buy with those premiums?As a family we have had cause to pay privately for consultants in the past - if anything serious is found then the NHS takes over and, as you say, they are pretty good for the serious stuff. For less serious stuff you £219 a month buys a lot of help.
For example, a decent Osteo at £50ph should be able to detect a slipped disc.
wiggy001 said:
Serious question: have you considered how much treatment/consultant time you could buy with those premiums?
As a family we have had cause to pay privately for consultants in the past - if anything serious is found then the NHS takes over and, as you say, they are pretty good for the serious stuff. For less serious stuff you £219 a month buys a lot of help.
For example, a decent Osteo at £50ph should be able to detect a slipped disc.
Exactly what I was thinking. Think I'd be tempted to just create my own healthcare bank account and plough £440 a month into it.As a family we have had cause to pay privately for consultants in the past - if anything serious is found then the NHS takes over and, as you say, they are pretty good for the serious stuff. For less serious stuff you £219 a month buys a lot of help.
For example, a decent Osteo at £50ph should be able to detect a slipped disc.
Steve Campbell said:
wiggy001 said:
Serious question: have you considered how much treatment/consultant time you could buy with those premiums?
As a family we have had cause to pay privately for consultants in the past - if anything serious is found then the NHS takes over and, as you say, they are pretty good for the serious stuff. For less serious stuff you £219 a month buys a lot of help.
For example, a decent Osteo at £50ph should be able to detect a slipped disc.
Exactly what I was thinking. Think I'd be tempted to just create my own healthcare bank account and plough £440 a month into it.As a family we have had cause to pay privately for consultants in the past - if anything serious is found then the NHS takes over and, as you say, they are pretty good for the serious stuff. For less serious stuff you £219 a month buys a lot of help.
For example, a decent Osteo at £50ph should be able to detect a slipped disc.
Edited by bad company on Sunday 29th May 10:53
We as a Company use a Broker and are currently with Bupa but no claims this year so cannot advise on service. Previous claims with previous Insurers all been well handled.
We refuse to go above £200 excess and we analyse the policies carefully to remove unnecessary items - maternity, dental, optic, private ambulance etc.
Despite high healthcare inflation we have kept it to about £700 per couple pa over the years (all 47 to 56years). Will be a slight increase this year as 1 Director hits 50 and so enters a new 5 year bracket.
Will start to add in mental cover in the next few years as we all move in to our 50s.
We refuse to go above £200 excess and we analyse the policies carefully to remove unnecessary items - maternity, dental, optic, private ambulance etc.
Despite high healthcare inflation we have kept it to about £700 per couple pa over the years (all 47 to 56years). Will be a slight increase this year as 1 Director hits 50 and so enters a new 5 year bracket.
Will start to add in mental cover in the next few years as we all move in to our 50s.
The_Doc said:
From my end, BUPA are at the bottom of the pile and interestingly WPA are at the top.
I don't pay premiums though, I deliver the product
I agree from a different perspective. Bupa negotiate purely on price. WPA amongst other smaller insurers negotiate services available, quality as well as extended provisions and benefits for their customers. I don't pay premiums though, I deliver the product
bad company said:
We have been doing that for the year but at a lower level, £250 monthly between us which is probably not enough. Why do you suggest £440? That's just about double the quote from WPA 9.5% of which is insurance premium tax.
Apologies, misread cost as £220 each.Edited by bad company on Sunday 29th May 10:53
Still stand by the comment though. As noted above, £26,000 over 10 years for something you may not need. That buys you a hell of a queue jump, especially as you indicate critical stuff would go via NHS anyway......however, I do understand this is a "peace of mind" thing so depends how much you want to spend to get that mental security.
Sorry can't really help on the advice though ! I've had private healthcare through work for years, I leave this week but am not going to take personal cover.
Edited by Steve Campbell on Wednesday 1st June 10:34
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