Ainsley Harriott Posted March 18, 2022 Share Posted March 18, 2022 Hello everyone, I have private health insurance via my employer and top it up for my wife and kids. Keen to hear about what others think? Is it worth having? Quote Link to comment Share on other sites More sharing options...
Dazo Posted March 18, 2022 Share Posted March 18, 2022 Absolutely. Life saver for the mrs this year, daughter got access to a therapist years before the nhs and I’ve had shitloads of physio and minor treatments. Quote Link to comment Share on other sites More sharing options...
Morgan Posted March 18, 2022 Share Posted March 18, 2022 Without a doubt. We have it here in France, it’s saved us a wee fortune. Back in 2010 my wife had a 4 night stay in hospital. The bill we were presented with on her discharge was in excess of 6000€. Due to our cover, we paid 3000€. That’s just one example. Quote Link to comment Share on other sites More sharing options...
PTBCAL Posted March 18, 2022 Share Posted March 18, 2022 I have it through my employer Free Got my hip resurfacing which you can’t get on the NHS. £17000 and that was 5 years ago. Got a consultation within days of calling… asked if I wanted the operation within 10 days. No 3 year waiting list etc Had hours off physio for practically pennies Quote Link to comment Share on other sites More sharing options...
Dazo Posted March 18, 2022 Share Posted March 18, 2022 33 minutes ago, Ainsley Harriott said: Hello everyone, I have private health insurance via my employer and top it up for my wife and kids. Keen to hear about what others think? Is it worth having? You could Chuck your money into the snp nhs 😂 Quote Link to comment Share on other sites More sharing options...
Don Dan Posted March 18, 2022 Share Posted March 18, 2022 Not used Private insurance but have funded my own dermatology, urology and physiotherapy. NHS waiting list are terrible at the moment even though your lifestyle and general health are suffering. Quote Link to comment Share on other sites More sharing options...
graygo Posted March 18, 2022 Share Posted March 18, 2022 Had it for about 20 years and never used or needed it - not worth it. The above isn't true but anybody who has it and has used it is going to tell you it's worth having. Quote Link to comment Share on other sites More sharing options...
Diadora Van Basten Posted March 18, 2022 Share Posted March 18, 2022 I remember speaking to my doctor about a problem I had. He said that he would put me on a waiting list and the current waiting time is two years. I told him I had private health insurance and he said I could be seen in a weeks time. The appointment was at a NHS hospital and it just seemed a weird system that I could jump the queue and that it took place at a NHS hospital. Quote Link to comment Share on other sites More sharing options...
SupaJT Posted March 18, 2022 Share Posted March 18, 2022 I've had it through work for about 10 years and have very rarely used it other than for physio, but I think it is worth having. I guess it depends how you think about it, but it's in the same category as any insurance for me - something that you hope ends up being a 'waste' of money since you've been lucky enough not to need it. Quote Link to comment Share on other sites More sharing options...
Jambo_jim2001 Posted March 19, 2022 Share Posted March 19, 2022 Different levels of cover depending on employers schemes,read the small print 👍 Quote Link to comment Share on other sites More sharing options...
JudyJudyJudy Posted March 19, 2022 Share Posted March 19, 2022 Highly recommended if younger and no pre existing health conditions . I had a health issue during covid and was told I would need to wait 14 weeks to be seen on the NHS . I couldn’t wait so I went private and was seen in 2 weeks . Quote Link to comment Share on other sites More sharing options...
sinks Posted March 19, 2022 Share Posted March 19, 2022 Definitely worth it if you have no pre existing conditions,not so much if you do Quote Link to comment Share on other sites More sharing options...
Captain Sausage Posted March 19, 2022 Share Posted March 19, 2022 We’ve got it for the whole family. Access to GPS within 15 minutes, never waited more than 2 weeks for specialist appointments and generally let’s us sleep a bit easier at night. One of my colleagues sadly was diagnosed with stage 3 pancreatic cancer. But from GP initial consultation to second world leading specialist opinion on MRI and blood results was 3 weeks. He started treatment that week - I don’t have any anecdotes about NHS equivalent but I’d imagine there’d be some delay and in that situation every day counts. Quote Link to comment Share on other sites More sharing options...
JudyJudyJudy Posted March 19, 2022 Share Posted March 19, 2022 46 minutes ago, Captain Sausage said: We’ve got it for the whole family. Access to GPS within 15 minutes, never waited more than 2 weeks for specialist appointments and generally let’s us sleep a bit easier at night. One of my colleagues sadly was diagnosed with stage 3 pancreatic cancer. But from GP initial consultation to second world leading specialist opinion on MRI and blood results was 3 weeks. He started treatment that week - I don’t have any anecdotes about NHS equivalent but I’d imagine there’d be some delay and in that situation every day counts. To be fair to the NHS they do try and fast track suspected cancer patients as quick as possible. Its part of the policy. A two week referral route. However its getting a bloody GP appointment to actually have any discussion with possible cancer symptoms and then the referral which is the issue. Quote Link to comment Share on other sites More sharing options...
Marvin Posted March 19, 2022 Share Posted March 19, 2022 (edited) 13 hours ago, Ainsley Harriott said: Hello everyone, I have private health insurance via my employer and top it up for my wife and kids. Keen to hear about what others think? Is it worth having? I had an insurance thing should I go into hospital or such like. It was paid directly out my wages every week. When I left my job I never carried over the DD. 1 week later I got run over and was in hospital for a week then off work for a further 12 with a compound fracture. I got a little from the insurance but could have got a lot more had I carried over the payments. I was looking at the same people 4 years ago and decided against taking it up again. Then I was hospitalised with Pneumonia. I think I lost out to the tune if £1000 possibly more. So take out insurance you'll never know when you might need it. Edited March 19, 2022 by Marvin Spelling Quote Link to comment Share on other sites More sharing options...
A.C. Posted March 19, 2022 Share Posted March 19, 2022 Out of interest, for those who don’t get it through their employers, roughly how much are you paying per month? Quote Link to comment Share on other sites More sharing options...
Lone Striker Posted March 19, 2022 Share Posted March 19, 2022 13 hours ago, SupaJT said: I've had it through work for about 10 years and have very rarely used it other than for physio, but I think it is worth having. I guess it depends how you think about it, but it's in the same category as any insurance for me - something that you hope ends up being a 'waste' of money since you've been lucky enough not to need it. Thats the best way to think about any insurance, yes. I've only gone private once but just paid for my treatment as a one-off in order to get it quicker - turned out to be a very lucky decision because Covid stopped most NHS surgery a few weeks later. For anyone wondering if its "worth it", the middle option is for you to build up your own "rainy day" fund in a bank account. Get quotes from Spire etc for what an appropriate level of cover you're want - then see if you can afford to put away each month half of what they quote as the monthly premium. That way, it's never wasted - and if you need private treatment, just buy it as a one-off using your bank funds. Quote Link to comment Share on other sites More sharing options...
TheOak88 Posted March 19, 2022 Share Posted March 19, 2022 4 hours ago, sinks said: Definitely worth it if you have no pre existing conditions,not so much if you do Depends on the type of policy. Most large employers will have a policy which covers pre-existing conditions - that has been the case with the employers I have worked for. Quote Link to comment Share on other sites More sharing options...
Dazo Posted March 19, 2022 Share Posted March 19, 2022 7 hours ago, sinks said: Definitely worth it if you have no pre existing conditions,not so much if you do Not an issue for all policies or illnesses, pre existing can be covered. Quote Link to comment Share on other sites More sharing options...
sinks Posted March 19, 2022 Share Posted March 19, 2022 5 hours ago, TheOak88 said: Depends on the type of policy. Most large employers will have a policy which covers pre-existing conditions - that has been the case with the employers I have worked for. Not in my case,got TUPED and new company policies wouldn't cover pre existing conditions....not saying all are same tho Quote Link to comment Share on other sites More sharing options...
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