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  1. #1

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    Default Private Health Cover

    Hi everyone

    I'm wondering if anyone could give me their recommendations on which companies they use for health care as I'm looking as purchasing it for myself and extending cover to my family. As I believe it's important to look after myself now I'm contracting.

    Thanks

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    Only ever used bupa but never had a problem: the way it works for me is if I get a specialist referral from the GP I phone up & they the authorise to see someone private
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    Quote Originally Posted by Halo Jones View Post
    Only ever used bupa but never had a problem: the way it works for me is if I get a specialist referral from the GP I phone up & they the authorise to see someone private
    Do you have the full comprehensive cover?

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    I cancelled mine in the end. Had for the whole family but the two times I tried to use it I got some old bollocks from Bupa. So I cancelled it and take out a critical cover insuance and left the more mundane stuff to the NHS.
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    That's sounds bad, I gather they just put obstacles in the way when you tried to use it.

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    Quote Originally Posted by The Spartan View Post
    Hi everyone

    I'm wondering if anyone could give me their recommendations on which companies they use for health care as I'm looking as purchasing it for myself and extending cover to my family. As I believe it's important to look after myself now I'm contracting.

    Thanks
    Aint cheap mind....
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    Quote Originally Posted by psychocandy View Post
    Aint cheap mind....
    I kind of guessed it wouldn't be I just feel the need to take extra precautions just in case I need to get something sorted quickly

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    I have a Simply Health policy that covers the family. Much cheaper than BUPA as it just gives back a percentage of what you pay depending on what the Premium is. It covers Dental and Optical as well.

    In most cases you'll go back and use the NHS facilities anyway as BUPA just cherry pick the profitable sidelines of Healthcare. If you want to be bumped up the list for an operation, pay for an initial Private Consultation on referral from your GP.

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    Quote Originally Posted by The Spartan View Post
    Do you have the full comprehensive cover?
    Pretty comprehensive but only on referral stuff, I can’t complain as it’s a permie perk (I get taxed extra on a value of £500) as opposed to something I pay for directly & in full.
    Pre-existing conditions are not covered
    Growing old is mandatory
    Growing up is optional

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    BUPA cover comes with a set of limitations. Any pre existing condition wont be covered. There is also a set of conditions that are not covered including maternity etc. It can come in handy some times. If you have a bad stomach ache for example, like my colleague had, the local GP might insist on prescribing painkillers and not bother diagnosing, you can ask for a referral and a BUPA doc might fully treat you.

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