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  • FIRST POST
    • MSE Jenny
    • By MSE Jenny 21st Apr 06, 5:32 PM
    • 1,218Posts
    • 3,554Thanks
    MSE Jenny
    Medical Insurance Cost Cutting Plan Article Discussion Area
    • #1
    • 21st Apr 06, 5:32 PM
    Medical Insurance Cost Cutting Plan Article Discussion Area 21st Apr 06 at 5:32 PM



    This thread is specifically to discuss the content of the

    Medical Insurance Cost Cutting Plan Article

    To discuss or ask a question about the article: click reply
    Last edited by MSE Researcher; 16-06-2010 at 10:42 AM.
Page 8
  • Rocking Rooster
    Hi all, I need some advice on my healthcare. I currently have 2 policies. One covers the investigation side of things and the other covers the proceedures.

    My investigation one is with Simply health and the proceedure is with Pru. I did this as it made my monthly payments cheaper, my premiums combined are around £130 PCM for me (38) dw(39) DS (11) DD (8) and DS (4)

    Im not happy with either policy. My DW is going in for an op tomorrow and the grief we had to go through (getting refferal letters and going back and forth with the GP and the insurer) caused so much hassle.

    My question is, is there a policy that I can get that will avoid this. I have heard of policies that ask all of the questions (covering pre existing conditions) up front so that you dont have to worry if you are covered or not. I know the insurer will do everything they can to get out of approving a claim, but when you are ill you just dont need the hassle and stress.
    Originally posted by lloydyd
    Yes i understand you have a cashplan with Simply health which covers you for the smaller things and your PMI is with Pruhealth. I do exactly the same for my family and i am a specialist PMI broker. Makes financial sense, more cover for less premium and your NCD (no claims discount) isn't affected for small claims on the cash plan too.

    The underwriting you are referring to is FMU = Full medical underwriting. They ask you a lot of medical questions and anything you declare is likely to be excluded. Members who join on FMU are usually less likely to be checked out at the point of claim than the common rolling Moratorium underwriting = Any medical condition that existed 5 years before your policy start date will not be eligible to be claimed on until you go 2 years advice, treatment and symptom free on.

    On rolling Moratorium underwriting for new claims the insurer will almost always want a letter from your doctor stating that your condition didn't exist 5 years before your moratorium start date. Some people find this frustrating.

    You need good advice as i have no idea:

    1. when you tok out your policy and whether your moratorium is the fixed moratorium type or Pru's older better fixed moratorium which wipes your medical history clean after 2 years.

    2. What the medical condition your DW is claiming for and if you want it covered when you move insurers ? As this may well be difficult depending on what it is. i.e. if you declare it on FMU they will exclude it.


    You can find a broker here

    amii.org.uk/find-a-specialist-broker/[/url]

    A bit of a lottery i'm afraid some are really good and some not so good.
    I am an independent whole of market health insurance consultant.

    Anything posted on here is for discussion purposes only and should not be classed as professional advice.
    • song_of_calliope
    • By song_of_calliope 24th Aug 13, 8:38 AM
    • 455 Posts
    • 581 Thanks
    song_of_calliope
    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
    • By beedeedee 24th Aug 13, 9:27 AM
    • 915 Posts
    • 1,210 Thanks
    beedeedee
    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
    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
    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
    • By ashv 12th Feb 14, 9:14 PM
    • 2 Posts
    • 0 Thanks
    ashv
    Recent PMI provider/underwriter
    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
    Company PMI & pre-existing cover
    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
    • By savemoney 27th May 14, 11:40 AM
    • 12,813 Posts
    • 11,431 Thanks
    savemoney
    karen10101 marked as
  • Helenmk
    Health Insurance for dental work?
    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
    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
    NHS Living Abroad Entitled?
    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
    • sheramber
    • By sheramber 26th Apr 15, 3:08 PM
    • 3,858 Posts
    • 2,867 Thanks
    sheramber
    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
    Originally posted by russellsnr
    Regulations changed recently. There is information here

    https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/418634/Implementing_overseas_charging_regulations_2015.pd f

    but the relevants bits seem to be

    Regulation 13 – UK state pensioners resident in the EEA
    : UK state pensioners
    who are resident in another EEA member state are exempt from charge for all NHS
    hospital treatment, including elective treatment, provided that they have registered an S1
    document in that member state. See Chapter 9 for more about this exemption.
    ............................................
    S1
    – issued to pensioners, posted or frontier workers. The term ‘pensioner’ includes those
    in receipt of a qualifying long-term benefit. If an original form is presented to an OVM, this
    should be sent to the Overseas Healthcare Team in Newcastle for registration (the holder
    may also have a copy for personal use)
    .................................
    Chapter 9

    UK state pensioners living in another EEA country
    9.51
    From April 2015, all pensioners in receipt of a UK state pension who are living abroad in
    the EEA or Switzerland and have registered an S1 form from the UK with the local authorities
    in their EEA country of residence, and their family members, will be able to access all
    healthcare in the UK as though they were ordinarily resident and should not be charged for
    treatment. If they present an EHIC, their EHIC information should not be entered into the portal
    for reimbursement. Regulation 13 of the Charging Regulations concerns this category of
    patient.
    • vlc
    • By vlc 25th Nov 15, 1:48 PM
    • 1 Posts
    • 0 Thanks
    vlc
    Is it possible to use ones pension fund to pay for medical bills ( before retirement ) ?
    • endomorph
    • By endomorph 15th Sep 16, 8:58 AM
    • 2 Posts
    • 0 Thanks
    endomorph
    I wanted to contribute to this thread because it seems to have gone off-course slightly.

    "If you've had a positive experience with a broker please let us know"

    I was a company health care secretary for many years. The boss was a frugal woman and every year I spent days/weeks going around all the PMI companies getting quotes, comparing plans, reporting back to the MD, going back again .... etc. Very laborious and frustrating task.

    And then I found a broker! Wow! What a difference is all I can say - talk about making my life easier and saving money.

    On the renewal in 2015, we were currently with Aviva. Their renewal cost cost came back at around £22,000 for the plan. There had been a good number of claims on the plan obviously.

    Time for the broker to take over. Within about 4 days she came back with an offer from Bupa (who we used to use) for just under £10,000 for like for like plan !

    The broker took care of everything for us, the switchover was painless and best of all we didnt have to pay them anything.

    If I am permitted to name drop, the broker was SMP Healthcare in Chelmsford Essex ( smphealthcare.com )

    The director Lianne is very knowledgeable of products and the industry as a whole. She has been a central contact point for both renewals and for issues during the year with things like claims, advice, and complaints.

    Highly recommended
    • Trev Smif
    • By Trev Smif 8th Dec 16, 10:23 AM
    • 1 Posts
    • 0 Thanks
    Trev Smif
    annual premium payment discount
    The article mentions that several providers give a discount for annual payment of premiums. I belong to Aviva medios scheme and they have informed me that they will not be providing the 5% discount from 1 Jan 2017 because of "changes in the Consumer Credit Act". I cannot find any reference to changes in legislation. Is this their choice or does this apply to all companies?
    I note you say that cover does not apply to emergency admissions but I had to go to A&E for renal failure and the insurance covered the stay ;although there is no private equivalent to intensive care (when I mentioned private treatment they said "you're too ill for that!")
    • another intruder
    • By another intruder 19th Mar 17, 5:34 PM
    • 1 Posts
    • 0 Thanks
    another intruder
    health insurance aprilUK
    Thanks for mentioning April UK in the tabs, it never appeared in the searches I made on the comparison websites, but it was the best deal so far.
    Looking for a comprehensive cover as a EU citizen... Not easy to find ! If anybody has a some tips, you're welcome to share... Still looking around.
    • RJS2209
    • By RJS2209 2nd Jun 17, 2:59 PM
    • 1 Posts
    • 0 Thanks
    RJS2209
    ActiveQuote Brokerage
    Recently took out a new policy with a health insurance broker based in Cardiff called ActiveQuote.

    Wouldn't normally post articles of this nature but the service was first class, my wife and I had some concerns regarding pre-existing conditions and whether what we actually wanted to be protected would be covered. The adviser (Claire) was helpful, but also very knowledgable. We had looked into private health cover, several times before but were put off by what felt like 'pushy sales tactics' from the brokers contacted. As we started our research on MSE we thought we'd post here to try and save people the leg work.....our advice go and speak to Claire......
    • Mark300zx
    • By Mark300zx 10th Jul 17, 10:55 PM
    • 117 Posts
    • 29 Thanks
    Mark300zx
    Hi,

    I am looking for a website with independent reviews of Health Insurers, has anyone come across one ?

    TIA

    Mark
    • Smartmoney2017
    • By Smartmoney2017 26th Jul 17, 12:54 PM
    • 1 Posts
    • 0 Thanks
    Smartmoney2017
    Health Insurance Reviews
    Hi Mark,
    I worked in the medical insurance industry for years and quickly learned that each insurer has their pros and cons, the most important thing to take into consideration when choosing a policy is what type of underwriting will be applied as this will affect what the insurer will and will not cover.
    If you would like to get some free impartial advice the guys at protectedhealthandlife.co.uk are very good and can help you find the right policy to suit your needs
    Thanks
    • Timothy Burk
    • By Timothy Burk 23rd Aug 17, 3:07 PM
    • 1 Posts
    • 0 Thanks
    Timothy Burk
    Winning
    we've have a small company policy for years, we were told by several brokers that we could not move due to our claims history which is understandable, after looking at AMII (found On MSE) for more advise we contacted a broker close to us (Healthier Cover), and although again we could not move, they are apparently the only Broker that gives you any renewal commission they receive back, so we have changed broker to them and are now receiving a lower premium without doing anything to our policy. strongly recommend people to use them as they were the only broker that were able to save me money after trying what seams like dozens over the years.


    I dealt with Jason Surgeon, may be a pun there......
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