Private Health Cover
Discussion
I use ppp and have been very happy with their cover www.axappphealthcare.co.uk
I used PPP for years but swapped to Aviva this year as I made a substantial saving for the same cover (about 30% IIRC)
Mind, we've only made one claim so far (PPP where very good in this respect) and Aviva seem to make you jump through one or two more hoops before paying out, but the saving was worth the extra effort IMO.
Mind, we've only made one claim so far (PPP where very good in this respect) and Aviva seem to make you jump through one or two more hoops before paying out, but the saving was worth the extra effort IMO.
Had been with Norwich Union and more recently Aviva for years, policies were getting more and more each year.
Changed over to these guys two years ago, they have been great, sadly had some claims last year for my mum. Paid up immediatelty, no hassle, no aggro
Get a big thumbs up from me
http://www.freedomhealthnet.com/
They are also brokers if you want to check the whole market which we did for our company scheme
Changed over to these guys two years ago, they have been great, sadly had some claims last year for my mum. Paid up immediatelty, no hassle, no aggro
Get a big thumbs up from me
http://www.freedomhealthnet.com/
They are also brokers if you want to check the whole market which we did for our company scheme
I have to give a mention to PruHealth here too.
I switched my partner and I to them 9 months ago and while at £90 a month (for the two of us) it's not the cheapest, the operate and excellent system whereby if you do positive things for your health (e.g. exercise, lose weight, get fitness tests, read articles on healthy living, declare yourself a non-smoker etc) they award points and these points give you a discount on Year 2 premia!
If I do everything I have set out to do, then by the end of June when my premium will drop to under £20 per month! Also, as you earn points they give you discounts on holidays, Eurostar trips, cinema trip, spa breaks (for the missus, of course...ahem!) and a few other bits and bobs. It's a tiny bit complicated but at those savings I think it's well worth taking the time to figure it out.
I should point out that one of the things I am doing to earn points is a complete health screening at £150 per person so you may argue I'm not saving as much - fair point - but I wanted to do one of these screenings anyway.
Thumbs up for PruHealth from me. The concept really appealed to me. The only caveat is I've (thankfully) not had to make a claim yet so not sure how they'll deal with that.
I switched my partner and I to them 9 months ago and while at £90 a month (for the two of us) it's not the cheapest, the operate and excellent system whereby if you do positive things for your health (e.g. exercise, lose weight, get fitness tests, read articles on healthy living, declare yourself a non-smoker etc) they award points and these points give you a discount on Year 2 premia!
If I do everything I have set out to do, then by the end of June when my premium will drop to under £20 per month! Also, as you earn points they give you discounts on holidays, Eurostar trips, cinema trip, spa breaks (for the missus, of course...ahem!) and a few other bits and bobs. It's a tiny bit complicated but at those savings I think it's well worth taking the time to figure it out.
I should point out that one of the things I am doing to earn points is a complete health screening at £150 per person so you may argue I'm not saving as much - fair point - but I wanted to do one of these screenings anyway.
Thumbs up for PruHealth from me. The concept really appealed to me. The only caveat is I've (thankfully) not had to make a claim yet so not sure how they'll deal with that.
GallardoOwner said:
Are there any good alternatives to BUPA cover ? no doubt they are all much the same but BUPA continue to disappoint me.
Bear in mind that if you have any condition your new supplier will exclude it. But if healthy then there are a few which are cheaper, but the question is are they cheaper just for the first year then suddenly get expensive......... Jasandjules said:
GallardoOwner said:
Are there any good alternatives to BUPA cover ? no doubt they are all much the same but BUPA continue to disappoint me.
Bear in mind that if you have any condition your new supplier will exclude it. But if healthy then there are a few which are cheaper, but the question is are they cheaper just for the first year then suddenly get expensive......... The problem with all of them though is that if you do have an exclusion you are pretty much tied into that insurer from then on.
Actually got onto a manager yesterday and she was very helpful and sorted all my problems, Prior to that just seemed to be one cock up after another, lost forms, unknown members etc.
Considering how annoyed I was she done a good job to satisfy me
For the money thing thats been mentioned I pay just nder £ 100 per month for 2 adults and three children.
Considering how annoyed I was she done a good job to satisfy me
For the money thing thats been mentioned I pay just nder £ 100 per month for 2 adults and three children.
seaninog said:
I have to give a mention to PruHealth here too.
I switched my partner and I to them 9 months ago and while at £90 a month (for the two of us) it's not the cheapest, the operate and excellent system whereby if you do positive things for your health (e.g. exercise, lose weight, get fitness tests, read articles on healthy living, declare yourself a non-smoker etc) they award points and these points give you a discount on Year 2 premia!
If I do everything I have set out to do, then by the end of June when my premium will drop to under £20 per month! Also, as you earn points they give you discounts on holidays, Eurostar trips, cinema trip, spa breaks (for the missus, of course...ahem!) and a few other bits and bobs. It's a tiny bit complicated but at those savings I think it's well worth taking the time to figure it out.
I should point out that one of the things I am doing to earn points is a complete health screening at £150 per person so you may argue I'm not saving as much - fair point - but I wanted to do one of these screenings anyway.
Thumbs up for PruHealth from me. The concept really appealed to me. The only caveat is I've (thankfully) not had to make a claim yet so not sure how they'll deal with that.
Bad news is they have radically overhauled the vitality scheme now, so you'll probably find it won't be as appealing the year after. Our family cover dropped from £135/month to £27/month because we made the Platinum level last year. Under the new rules, Platinum level is now significantly harder to reach and the best discount we'd get is 3 months free cover. I switched my partner and I to them 9 months ago and while at £90 a month (for the two of us) it's not the cheapest, the operate and excellent system whereby if you do positive things for your health (e.g. exercise, lose weight, get fitness tests, read articles on healthy living, declare yourself a non-smoker etc) they award points and these points give you a discount on Year 2 premia!
If I do everything I have set out to do, then by the end of June when my premium will drop to under £20 per month! Also, as you earn points they give you discounts on holidays, Eurostar trips, cinema trip, spa breaks (for the missus, of course...ahem!) and a few other bits and bobs. It's a tiny bit complicated but at those savings I think it's well worth taking the time to figure it out.
I should point out that one of the things I am doing to earn points is a complete health screening at £150 per person so you may argue I'm not saving as much - fair point - but I wanted to do one of these screenings anyway.
Thumbs up for PruHealth from me. The concept really appealed to me. The only caveat is I've (thankfully) not had to make a claim yet so not sure how they'll deal with that.
I'm now expecting we'll go elsewhere next year as a result. Shame, as the levels of cover are excellent as well. My broker tells me they are continually telling Pru Health that they are going to lose large numbers of customers so it will be interesting to see if they change their minds on the new scheme.
Find a sensible broker for your health insurance. We (company policy 9 members) left AXA 2 years ago on a £13k Premium, they took us back at £9k last year, no conditions, same people, including exisitng conditions. It seems they (insurance companies) just play the numbers game, buying and selling business as their business dictate.
We swap every 2 to 3 years. Can't escape the age increase though!
We swap every 2 to 3 years. Can't escape the age increase though!
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