Private Health Care / via Business

[vdn]

I'm quite naive to this. Looking at getting a private health care package for myself and family, sorted via one of my businesses.

Where to start?

The only name I know is BUPA. Before I go down the rabbit hole, any other names / websites to look at? Does anyone have any experience of providers?

[muscatdxb]

I had vitality but they seem to try wriggle out of everything in typical insurance style.

Bupa costs me twice as much but you don’t get any pushback. You can book GPs on an app and be in with a specialist days later.

[dalenorth]

We broker PMI so feel free to drop me a pm. The main players at the minute are Aviva and Vitality.

[muscatdxb]

dalenorth said:

We broker PMI so feel free to drop me a pm. The main players at the minute are Aviva and Vitality.

What is your perception of the two?

Bupa are good but they just put my fee from £300 to £450 per month for me and my family. Small jump to say the least!

[dalenorth]

The service and product is very similar between all of them tbh. Vitality have the best system and Aviva are poor in this area, but they all price so differently on renewal so it’s worth reviewing each and every year tbh.

[MustangGT]

If the company is paying the premiums it must be declared as a benefit in kind, you will be taxed on the value and the company will pay NIC on the value as well.

[RicksAlfas]

We have been pleased with Vitality. Aviva seem to double the premium every year and sometimes add the phone number on as well. Then a year or so later they will try and tempt you back at less than half price. All a bit double glazing.

As mentioned above check the BIK situation.

[dalenorth]

Aviva have sent my renewal through today and it’s doubled! We’ve had a couple of claims that won’t occur again, so I have taken the decision to set up a new plan meaning anything we have claimed or had symptoms for in the last 5 years won’t be covered, but back down to far more reasonable premium.

I wouldn’t advise this for everyone and you have to understand the risk but it’s worth at least considering.

[W4NTED]

Vitality are a bunch of jokers. 2 hour long waits to speak to someone about anything and in the end they try their best not to pay for anything.

Moved to Aviva - world apart, does what it says on the tin! Aviva anyday!

[kent_phil]

We started offering health care 3 years ago and did a lot of research at the time to try to work out the best package for coverage as well as value.

Came to the conclusion they were all pretty similar, and when bidding for new business (we were 30 people at the time) were all very similar premiums - no one provider stood out as compelling against the others.

We made the decision to just pick what looked like the best and monitor the staff feedback and experience with them - GP access, paying claims, general handling experience, etc

We chose WPA Healthcare as the starting point - 3 years on I've not had a single complaint or issue raised about them and we have consistently renewed.

I had a bit of a moan at them when my premium jumped due to my daughter hitting 18 but I was more annoyed about the lack of warning than the jump.

[AF11]

Absolutely hated my 1 year with vitality.

Such a ball ache to do the simplest things such as a dental/optical cashback claim.

We’ve used Axa for years, much better and easier to use the features.