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Subject Topic: Private medical insurance
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PersonMrs. Bonce
via mobile 19/10/2023 at 8:06am
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Any recommendations? Have looked at the comparison site, Usay Compare who seem to be able to find a good price. Do not want to be pushed into anything.

Post last edited on 19/10/2023 08:18:27


PersonFiona W
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I would check a couple more comparison sites rather than relying on just the one - we use Consumers Association (Which?). MSE might be useful too (money saving expert).
I paid privately for a scan that my NHS would not do, and the hospital has since changed from BUPA (efficient) to another that is less efficient. But your medical history may fit a particular insurance company more than it would suit me.

Post last edited on 19/10/2023 10:12:04

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2024 = 20 sites / 41 nights. 2023 = 9/23. 2022 = 13/35. 2021 = 11/29. 2020 = 4/20. 2019 = 13/35. 2018 = 20/33. 2017 = 10/22. 2016 = 19/33. 2015 = 15 sites / 27 nights. Didn't count 1976 to 2014.


PersonMrs. Bonce
via mobile 19/10/2023 at 10:14am
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Thanks Fiona.


Person664DaveS
via mobile 19/10/2023 at 10:25am
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We have been with Benenden Health for years as I was offered it through work ( civil service). They now offer it to all.
They don't do orthopaedic but offer discounts on that work.
My wife has used it twice .
She actually went to the hospital at Benenden for surgery. It is a very good hospital. She was a senior nurse and was very impressed with the service.
The operations she had were covered after seeing their consultants quite quickly after referral.
She also had some physio locally after a back injury, also provided by them.

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DS-There's more to life than football!!!


PersonMrs. Bonce
via mobile 19/10/2023 at 10:37am
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Thanks Dave


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PersonMrs. Bonce
via mobile 19/10/2023 at 11:27am
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I have just turned 76. Beneden only insure up to 75. I think it was them anyway. Saga is very expensive direct. Probably going with Aviva via Usay.


PersonAncient Uncle
via mobile 19/10/2023 at 5:19pm
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I was talking to a consultant many years ago and asked him if it would be worth having private health insurance.

He suggested an alternative. Find out what it would cost me and then pay into a savings account instead. Should I need private medicine, then I would have money to pay the bill. If I did not need treatment, then I still had the money.

Not the answer for everyone, of course, but certainly food for thought.


PersonMrs. Bonce
via mobile 19/10/2023 at 5:42pm
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Thanks.


Personclbewi
19/10/2023 at 6:01pm
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Also, private medical insurance doesn’t cover all conditions.

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Claire and Colin


PersonMrs. Bonce
via mobile 19/10/2023 at 6:04pm
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I know it doesn't cover existing conditions, anything else?


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PersonDavid Klyne
19/10/2023 at 8:17pm
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Quote: Originally posted by Ancient Uncle on 19/10/2023
I was talking to a consultant many years ago and asked him if it would be worth having private health insurance.

He suggested an alternative. Find out what it would cost me and then pay into a savings account instead. Should I need private medicine, then I would have money to pay the bill. If I did not need treatment, then I still had the money.

Not the answer for everyone, of course, but certainly food for thought.


We used to subscribe to HSA (now Simply Heath) as we got good rates from work. It doesn't cover major surgery or anything like that but it would contribute to dental care, glasses, stays in hospital and some of the cost of a private consultation. What we found was that as prices went up we were paying far more than we got out and decided to put money aside each month into a savings account and we dip into that when there is a need. Not sure what sort of cover Mrs Bounce is looking for but I assume a bit more comprehensive than that?

David


PersonMrs. Bonce
via mobile 19/10/2023 at 9:11pm
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Thanks David m, Bonce not Bounce. Someone once called me an inverted snob...


Personblueexpo97
20/10/2023 at 10:16am
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Quote: Originally posted by Ancient Uncle on 19/10/2023
I was talking to a consultant many years ago and asked him if it would be worth having private health insurance.

He suggested an alternative. Find out what it would cost me and then pay into a savings account instead. Should I need private medicine, then I would have money to pay the bill. If I did not need treatment, then I still had the money.

Not the answer for everyone, of course, but certainly food for thought.



So the same as what people suggest re vets and pets.
Sorry but you're never going to have enough.

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XVI yes?

As well is two words!
How does a sage know everything about everything? or does he? or does he just think he does?
Remember, if you buy something you bought it, not brought it.


PersonMrs. Bonce
via mobile 20/10/2023 at 12:53pm
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Don't understand the above either. Most folk can't manage to save more than £300 per month as an example. £3,600 per year is nowhere near enough for specialist cancer treatment.


Personbessie500
14/11/2023 at 5:19pm
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We are with Aviva, My daughter went to see a specialist the other week, had various test and a biopsy, the bill was £2700.

Bessie


PersonCapt Lightning
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Quote: Originally posted by Mrs. Bonce on 20/10/2023
Don't understand the above either. Most folk can't manage to save more than £300 per month as an example. £3,600 per year is nowhere near enough for specialist cancer treatment.

I think the idea is that you save what you can in a long term account with the best interest rate you can find. £100 a month for 5 years = £6k + interest. Not enough for major surgery, but it would save you waiting a year for a hernia op.




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Two drifters off to see the world.

I'm tired of reality, so I'm off to look for a good fantasy.



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