Private Health Insurance

[NorthWestPerm2Contr]

Relative currently went private to sort out a medical issue, it was so quick, efficient and easy it made me think about getting some kind of health insurance. The ones I am aware of are AXA and BUPA. I know this has been discussed in the past (before somebody mentions it) but was wondering if anybody has any recent experience of any of these companies and having to actually make use of it.

What I don't want to do is wait 6 weeks for an appointment, another 6 weeks for a specialist, then 6 weeks for some other appointment and then 6 months for an operation.

Any advice appreciated.

[Paddy]

Alternatively, just be satisfied with a small penis

[NorthWestPerm2Contr]

Alternatively, just be satisfied with a small penis

Why would I need to be satisfied by you?

[techno]

I signed the family up to Aviva a few years back as they were the cheapest at the time.

When we needed to claim for a serious issue (the big 'C') they were great and very helpful...When it came to treatment the wife was offered drugs to help the process "that were not given to patients via NHS".

The big 'C' was removed and now she only has to have 6 month checks and for the last couple of years everything all clear.

Overall, for their service during that time I would rate them 10/10.

However since then they have ratcheted up the monthly premiums to the point where I am now considering moving to AXA.

[NorthWestPerm2Contr]

I signed the family up to Aviva a few years back as they were the cheapest at the time.

When we needed to claim for a serious issue (the big 'C') they were great and very helpful...When it came to treatment the wife was offered drugs to help the process "that were not given to patients via NHS".

The big 'C' was removed and now she only has to have 6 month checks and for the last couple of years everything all clear.

Overall, for their service during that time I would rate them 10/10.

However since then they have ratcheted up the monthly premiums to the point where I am now considering moving to AXA.

Thanks for this.

How much should I expect to be paying and which package would I go for? Young family (early 30's) with 2 children.

[northernladuk]

You did try a search didn't you?

https://www.google.co.uk/search?q=pr...sm=93&ie=UTF-8

WPA used to offer a discount to PCG members but not sure if it's still valid.

https://www.contractoruk.com/insuran...cal_cover.html

[craig1]

Be wary of moving providers if you've had any major illnesses, most individual coverage has terms excluding prior medical conditions. You can get that ignored if you pay enough with some providers or buy it through your company with others.

Generally though, UK private health coverage is very good from all of the main providers, whole orders of magnitude better than you'll get from even the same companies in the US. The backfall of the NHS means that they can't openly stiff people or they'll go elsewhere or even just opt for "free" NHS coverage.

[Platypus]

I'm with BUPA and am currently getting my knobby knee looked at. A friend had his knee done last year. He moaned that it cost him £3.5k until I told him that I've paid much more than that in premiums for the last 5 years.

For something big, like cancer or major operation, clearly the maths works the other way.

Just sayin'

P.S. IIRC they (BUPA) give a discount if you're an IT Contractor. Unbelievable but true (at least it used to be the case).

[northernladuk]

I'm with BUPA and am currently getting my knobby knee looked at. A friend had his knee done last year. He moaned that it cost him £3.5k until I told him that I've paid much more than that in premiums for the last 5 years.

For something big, like cancer or major operation, clearly the maths works the other way.

Just sayin'

P.S. IIRC they (BUPA) give a discount if you're an IT Contractor. Unbelievable but true (at least it used to be the case).

I had cartilage and ligament repairs on my knees many years ago and all in it would have cost me more in premiums than the cost of the ops if I had been paying all these years. It's a bit of gamble, can save a lot of pain and possibly cash when you need it but expensive if you are lucky enough not to.

[NorthWestPerm2Contr]

I had cartilage and ligament repairs on my knees many years ago and all in it would have cost me more in premiums than the cost of the ops if I had been paying all these years. It's a bit of gamble, can save a lot of pain and possibly cash when you need it but expensive if you are lucky enough not to.

That's my feeling with it - it's a gamble on how your health goes and then there is always the NHS to fall back on..... Then again health is more important than anything else.