Private Medical Insurance Plan

2 replies
Found 18th Aug 2016
I have Private Medical Insurance for myself and family. The policy has a limit of £500 for Consultation Charges. I wanted to ask is this amount of cover adequate or should I increase it? If so what amount should I increase the cover too. Was wondering, how much people have been charged for consultant charges in the past (excluding charges for operation's as these are covered elsewhere). I understand that these charges will vary depending on condition, but I just after a rough idea. Thank you all in advance.

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A typical consultant appointment will cost between £100 and £250, depending on where you live and the nature of the consultation. For example: A consultation for carpel tunnel syndrome with Spire Healthcare costs £200 at their Thames Valley hospital, yet only £180 at their Wirral hospital in the North West.

£500 a year is probably enough to be honest.

Hi, have had about 10 private consultations over the last decade, prices have varied from £80 to £200 for outpatient appointments and 500-800 for minor operations. Obviously, there were additional hospital charges on top of these which ramped the bill up to 2000-3000 each time. These were all in the SW of the UK.
I am very lucky that my employer pays for this policy and it is fairly comprehensive, but I pay to add on my wife. The extra for her has steadily gone up over the last few years so I investigated an individual policy this year for her. The impression I got was that it was very confusing to compare policies due to the restrictions in the small print for what you could claim for. The one omission that many of the cheaper polices had was for out-patient diagnostic tests. Having seen the bills for a couple of MRI scans, this area ramps up much more quickly than the consultants fees, and many policies had either restricted or no cover for these.
Worth adding that charges inside London area are generally higher.
Edited by: "airbus330" 18th Aug 2016
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