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Can anyone recommend a Health Insurance Policy?

I'm looking to get health cover for my parents - but they're all so complex and was wondering what peoples experience is with different companies and if anyone can recommend any in particular. Any advice would be appreciated - thank you!

8 Comments

depends on various factors there age,health,budget. Is it for Income replacement or Life Assurance your question is too vague

The prices rocket according to age and previous medical history.

Complex area, are you looking for a specific area to cover ?

My advice would be not to take any advice from HUKDers. You dont want to be taking advice from people with no experience - those that claim to have experience probably dont.

As you say is a complex area and since it's your parents lives and potentially tens of thousands of pounds at stake, obtain (and maybe pay for) proper financial advice from someone suitably qualified, and dont take advice from the 1p deal website...
Edited by: "monogram" 15th Dec 2014

Original Poster

Thanks everyone - I understand your point monogram, completely, but i do suspect that not everyone skimps out on everything possible - probably like yourself. I'm like that too, there are certain things that can be bought cheap (everyday items), but things like healthcare and travel insurance etc are too important for the price alone to be the defining factor.

I was just looking for a general health policy like Bupa or Axa(?) - they're in general good health with a few minor complaints (who hasn't) - but just want them to be able to receive the best healthcare possible when need be.

Best thing to do is to phone Bupa or whoever else and get a quote. It takes 30 mins over the phone going through their medical history, so better if they phoned unless you know their details well enough.
Bupa will send you a written quote in the post but will tell you over the phone.
As a rule, chronic illnesses are not included.
Also need to specify if you want full package or just diagnoses or just treatment, they will explain you the options.
I used to have Bupa through work and it was great, when hubby needed minor surgery, the appointment was made next day and surgery 2 days later. 2 weeks before I got the Bupa through work, he went through NHS and 4 months later a letter for his app arrived lol

Original Poster

AnnaMak

Best thing to do is to phone Bupa or whoever else and get a quote. It … Best thing to do is to phone Bupa or whoever else and get a quote. It takes 30 mins over the phone going through their medical history, so better if they phoned unless you know their details well enough.Bupa will send you a written quote in the post but will tell you over the phone.As a rule, chronic illnesses are not included.Also need to specify if you want full package or just diagnoses or just treatment, they will explain you the options.I used to have Bupa through work and it was great, when hubby needed minor surgery, the appointment was made next day and surgery 2 days later. 2 weeks before I got the Bupa through work, he went through NHS and 4 months later a letter for his app arrived lol



Thanks so much, thats really useful to know

Do the research. Sadly, there is no guarantee that paying for healthcare is of much benefit.

If you are young and fit and need a procedure, it can be done rapidly and get you back to work sooner. That is why they offer better rates to younger people because they are less a t risk.

An older person who has stroke symptoms would be dealt with rapidly in NHS A/E and have a better recovery. That is not possible in the private system. Thrombolytic treatments are not available in private healthcare, like most of any urgent care. They cannot cover it.

Get quotes by all means but pay particular attention to WHAT IS NOT COVERED.

I have been with PruHealth for several years and have found them to be very helpful. However, as said above, you need to read all the small print to find out what is not covered.
The bottom line for most policies is that they exist for acute illness, as soon as your condition looks like becoming chronic, they become a lot less keen to pay out.
Pay particular attention on limits for cancer treatment.
The much cheaper option is to get a private referral to your chosen consultant. Once you have a diagnosis transfer back into the NHS system for treatment. How effective this is largely depends on how helpful the consultant is in adding you to his/her treatment list. Most are helpful.
Edited by: "airbus330" 15th Dec 2014
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