Private Health Insurance
Discussion
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.
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.
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.
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.
Only 35 but decided having health insurance was probably more worthwhile than one afternoon in the pub.
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?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.
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?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.
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.
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 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 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. I always had it in my head that it becomes unaffordable in your 60s.
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
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