Medical Insurance Cost Cutting Plan Article Discussion Area

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  • song_of_calliope
    song_of_calliope Posts: 482 Forumite
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    Planning to get private healthcare for myself and OH. He is obese and I have high blood pressure. Will this affect our premiums? We are in our forties. I'm a civil servant so is cs healthcare the way to go or should we look at others?
  • beedeedee
    beedeedee Posts: 991 Forumite
    First Anniversary Combo Breaker First Post
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    We've been with CS Healthcare for many years and have always been very happy with their service. I think the types of cover now available are different to the one we have, but still very competitive. We have used them many times and provided you ring them for pre-authorisation of a procedure or treatment there has never been a problem. You would have to declare any pre-existing conditions obviously - but give them a ring.
  • Paul2014
    Paul2014 Posts: 2 Newbie
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    I was able to reduce my health insurance by joining HMCA which only provides health insurance if you are a member of an organisation. In my case I qualified because I am a member of the FSB. Looking at their website they seem to represent all sorts of organisations. The big plus with HMCA is that there is no excess to pay which means even simple treatments are covered. HMCA seems to allow you to use almost any private hospital which is another big plus. I have looked at other providers but HMCA came out top. I guess ultimately it Boulding down to having full peace of mind.
  • Paul2014
    Paul2014 Posts: 2 Newbie
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    I was able to reduce my health insurance by joining HMCA which only provides health insurance if you are a member of an organisation. In my case I qualified because I am a member of the FSB. Looking at their website they seem to represent all sorts of organisations. The big plus with HMCA is that there is no excess to pay which means even simple treatments are covered. HMCA seems to allow you to use almost any private hospital which is another big plus. I have looked at other providers but HMCA came out top. I guess ultimately it boils down to having full peace of mind.
  • ashv
    ashv Posts: 2 Newbie
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    April UK provide a much cheaper alternative plan, called "inspire", to the usual suspects. I found my cost halved per month for family cover. This is with no limit on out-patient consultations or any excess. The only deal is that you get treated at a Spire hospital. So, if you have one near you it's well worth considering.
    I used an outfit call "Health Insurance Specialists" to get quotes from various providers and the inSpire package came out best for me.
  • Alibaba15
    Alibaba15 Posts: 1 Newbie
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    Hi

    I would really appreciate any advice on my health insurance issue, as detailed below...

    I have been a member of a company paid private medical scheme for the last 3 years (AXA PPP), however unfortunately over the last 18 months I've been receiving breast cancer treatment. AXA PPP have covered all claims to date, as this was not a pre-existing condition when I commenced with the policy.

    My employers are currently making it difficult for me at work, and my concern is with cancer as a pre-existing condition, no other insurer will touch me. If i were to change this policy to a self pay one, I have been advised the quote could run into the thousands per year.

    Can you offer any advice on where to look for cover in my circumstances? Slightly complicating things is our plan to move abroad in the future (Australia) & ideally, I'd love a policy that would cover my pre-existing condition there.

    Thanks for your help.
  • savemoney
    savemoney Posts: 18,127 Forumite
    First Post First Anniversary
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    karen10101 marked as :spam:
  • Helenmk_3
    Helenmk_3 Posts: 1 Newbie
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    Not sure if this is the right place to post this (new to the forum)

    I would really like braces to correct my front teeth, I've enquired with dentists and the price range is around £3000 (with no guarantees of the desired outcome!)

    Would it be more beneficial to take out a Health Insurance policy that would cover the cost of dental work?

    Any advice on how it would work would be appreciated
  • iddles
    iddles Posts: 1 Newbie
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    Just wondering about pre-existing conditions. I've seen a couple of private physios / osteopaths etc. in the past few years, independently of my GP. This was for things like back pain, shoulder cuff impingement, but for which an official medical diagnosis has never been made.

    I was just wondering if I had to declare this kind of complementary therapy; although the practitioners did ask my name and GP I don't know if they've ever actually been in contact with them, and besides, what's to stop me giving a pseudonym in future?

    In other words, if it's not in my medical records, do I have to declare it?
  • russellsnr
    russellsnr Posts: 44 Forumite
    First Anniversary First Post
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    Hi, We now live in Europe and before moving worked 40 years paying NI contributions. We have been told (rumour) that now when we visit the UK we are not entitled to free NHS care should we need it yet due to one of us claiming the DLA we are entitled to free health care where we live paid for by the British Government as we have both paid the full NI while working in the UK.
    Is it correct that we cannot receive the free NHS care if needed?
    Many Thanks
    Russ
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