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    Private medical care in retrospect...is it poss?

    Does anyone have knowledge of joining bupa or like when they already have an health issue? It might not be ethical but is it allowed?

    16 Comments

    I don't think so, there are many clauses included and all pre-existing conditions must be disclosed.

    They would normally ask you to disclose any/all current problems, and they probably wouldn'tbe covered, but future/further deterioration might be. Best to ask them, and don't lie, they WILL find out, and that's fraud.

    EDIT: Also, old conditions, anything you don't think you suffer with anymore, they'll still need to know.

    Usually not allowed to claim if the existing problem has been reported to a doctor within the last 2 years

    Original Poster

    mmm ok many thanks....kinda thought that but worth a try! GP said I need to see consultant......hosp waiting time is up to 8weeks...so have booked private this week but just seeing this guy for one appointment is £200 without tests....so was thinking of joining in retrospect

    Not really allowed.

    And as everyone on here says - you must be absolutely truthful on your application form and declare all pre-existing conditions and those suffered in the past.

    If you are treated privately and your private doctor is subsequently asked for a report, he will have to tell the truth and dislose any past problems. Then you would be stuck ...

    allnaturaluk;7048790

    mmm ok many thanks....kinda thought that but worth a try! GP said I need … mmm ok many thanks....kinda thought that but worth a try! GP said I need to see consultant......hosp waiting time is up to 8weeks...so have booked private this week but just seeing this guy for one appointment is £200 without tests....so was thinking of joining in retrospect



    If you really consider it urgent enough to pay that sort of money for, then go ahead, but I've found ringing the consultant (their receptionist/secretary in reality) and explaining that you are available at very short notice in the event of a cancellation has worked out really well for me. I wouldn't be spending that sort of money unless I knew there was going to be an outcome. You're forking out for someone else to diagnose, and get another ball started, not for any actual treatment. HTH.

    Original Poster

    Oh I wouldnt lie.........
    But wondered if they would take me on knowing that I had a potential issue

    OP, I have private health insurance and have always been very healthy, then developed some rare condition in one of the bones in my foot... When I went to the hospital I noticed they had a price list up... the consultants fees alone were £400 an hour, X rays were £250 each (and that was for the foot only, let alone bigger parts of the body!) and things like check ups/bandage changing etc were £100! It's DEFINITELY worth it, the hospital was lovely, felt like being in someone's house rather than a clinical place!!!

    Original Poster

    Penny Saver;7048814

    If you really consider it urgent enough to pay that sort of money for, … If you really consider it urgent enough to pay that sort of money for, then go ahead, but I've found ringing the consultant (their receptionist/secretary in reality) and explaining that you are available at very short notice in the event of a cancellation has worked out really well for me. I wouldn't be spending that sort of money unless I knew there was going to be an outcome. You're forking out for someone else to diagnose, and get another ball started, not for any actual treatment. HTH.



    Funny enough its the same DR if I waited tosee him on the NHS....but thats a good idea thankyou

    Original Poster

    baffledsalmon;7048841

    OP, I have private health insurance and have always been very healthy, … OP, I have private health insurance and have always been very healthy, then developed some rare condition in one of the bones in my foot... When I went to the hospital I noticed they had a price list up... the consultants fees alone were £400 an hour, X rays were £250 each (and that was for the foot only, let alone bigger parts of the body!) and things like check ups/bandage changing etc were £100! It's DEFINITELY worth it, the hospital was lovely, felt like being in someone's house rather than a clinical place!!!



    Sounds good! but getting an answer to what is wrong FAST is what I am after....now wished I had signed up for private health long ago!

    allnaturaluk;7049067

    Sounds good! but getting an answer to what is wrong FAST is what I am … Sounds good! but getting an answer to what is wrong FAST is what I am after....now wished I had signed up for private health long ago!



    You can't get health insurance to treat a condition you have already. If you lie, they will find out! If you want health insurance, get it, but don't expect to get treated for your current problem! However, it will be very useful if/when you get ill in the future and you'll be extremely grateful for it then.

    Supermod

    You would have to lie on an insurance form which is illegal.

    Original Poster

    magicjay1986;7049121

    You would have to lie on an insurance form which is illegal.



    No, that was never the intention.....i wondered if I could join a health care scheme with a potential major problem.

    allnaturaluk;7049229

    No, that was never the intention.....i wondered if I could join a health … No, that was never the intention.....i wondered if I could join a health care scheme with a potential major problem.



    In a way thats like taking out house insurance cause u know ur gonna get robbed that night lol

    Unfortunately you cant get help with private medical insurance for this - but def worth looking into for future. I have had this for years and this week used it for a knee problem (been agonising) and instead ofhaving to wait ages for appointments and treatments etc, got seen, diagnosed and treated plus need an op which is scheduled for next week.

    Good luck OP and hope u get this sorted:thumbsup:

    Original Poster

    bossyboots;7049282

    In a way thats like taking out house insurance cause u know ur gonna get … In a way thats like taking out house insurance cause u know ur gonna get robbed that night lolUnfortunately you cant get help with private medical insurance for this - but def worth looking into for future. I have had this for years and this week used it for a knee problem (been agonising) and instead ofhaving to wait ages for appointments and treatments etc, got seen, diagnosed and treated plus need an op which is scheduled for next week.Good luck OP and hope u get this sorted:thumbsup:



    I see what you mean lol but thanks hopefully things will be ok

    Supermod

    allnaturaluk;7049229

    No, that was never the intention.....i wondered if I could join a health … No, that was never the intention.....i wondered if I could join a health care scheme with a potential major problem.



    Well on the insurance form you would have to disclose them and they would then choose not to insure you and if you didnt disclose it then it would be illegal.
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