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Health Insurance

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Hello, went to the hospital today for my son as he has problems with his ear. Im not happy about the way they are investigating his problems. Thinking of going private, bit late now, but thinking of… Read More
nadss Avatar
7y, 10m agoPosted 7 years, 10 months ago
Hello, went to the hospital today for my son as he has problems with his ear. Im not happy about the way they are investigating his problems. Thinking of going private, bit late now, but thinking of getting health insurance for the whole family. Anyone got good health insurance and cheap also what things do i need to consider.

Thanks
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nadss Avatar
7y, 10m agoPosted 7 years, 10 months ago
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#1
Health Insurance will not cover any existing issues unless quiescent for usually 12-24 months-eg Asthma. dr dan :)
#2
drdanielmacdonald
Health Insurance will not cover any existing issues unless quiescent for usually 12-24 months-eg Asthma. dr dan :)


Thanks Doc, i do realise that, just bought it home today thats all how important health is, esp. when it comes to the kids. Looking to get health insurance anyway for other problems we may encounter in the future
#3
no ideas on private health care

reckon we have the best health service in the world

big up all nhs workers from cleaners and porter to nurses and surgeons

when our son and i were ill we recieved the best care possible,and seen 1st hand the abuse nurses and docters take from patients
#4
jamstaruk1972
no ideas on private health care

reckon we have the best health service in the world

big up all nhs workers from cleaners and porter to nurses and surgeons

when our son and i were ill we recieved the best care possible,and seen 1st hand the abuse nurses and docters take from patients


Agree we do have good NHS but it's not as good as it used to be, no fault of the docs, nurses, staff. Just contemplating private health care atm
#5
nadss
Agree we do have good NHS but it's not as good as it used to be, no fault of the docs, nurses, staff. Just contemplating private health care atm


Also remember that with Private Medical Insurance and the private hospitals, it may be good for the routine procedures but some don't have provisions for emergencies. If you have a medical emergency, youer NHS ED is the best place. I used to work for a Private Medical Insurance company and would only consider taking it out if I was self employed. Otherwise, I "self insured" myself - so basically I set aside a set amount each month, just in case. As a consumer, a lot of PMI companies will apply a set rate increase each year, even if you haven't claimed (it's called community rating) and also if you move age bands, that could also have an additional increase so it can get quite expensive.

But if you are considering, then make sure it is on a moratorium basis as mentioned above.

Hope this helps a bit
#6
Although private healthcare can be very good for adults, it's not usually worth it for children as there are very few private hospitals that take paediatric cases - you may have to travel a long way to find care. Also it doesn't come cheap - mine's £500 per year for 1 adult - with the permeanant healthcare company (PHC) - never had any complaints, they've always paid out and we were very grateful for it when when the NHS stopped treating my step brother - PHC continued to treat.
Also bear in mind that now a days with patient choice in the NHS, you can ask your GP to refer you to a different hospital for convenience or simply for a 2nd opinion - everybody has the right to do this and the GP has to act.
#7
have you thought about getting a health cash back plan - covering you for a certain amount depening on the treatment needed (see link for full guide)

http://www.moneysavingexpert.com/insurance/healthcare-cash-plans

also places like tescos do health insurance but prices vary for this kind of insurance depending on your circumstances. I can get health insurance with the company I work for so maybe you could ask your employer?

Hope this helps
#8
also if you want cover for the children tescos looks pretty cheap

http://www.tescofinance.com/personal/finance/insurance/healthins/child-plans.jsp

and clubcard points!

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