Dental Insurance

JennyW_2

bobsa1 wrote:

Dh and I have private health and thank god we do. Just before xmas I found a lump, seen by consultant following day, all tests carried out that day and given the all clear. A friend of mine found a lump, saw consultant 2 weeks later, tests 3 weeks later and results (cancerous) a fortnight after that. So 7weeks before any treatment at all.

I'm afraid for us the peace of mind is worth the money. 2 of the dd's have been dealt with privately and I saw a consultant yesterday and minor op 2 weeks time (could have been this week but not convenient for me) so yes PH is worth it just for peace of mind

I couldn't agree more with this post. I've had private health care for years and hardly touched it - apart from the odd physio here and there and for some reason this year - I've had no end of problems. Without going into too much detail, I've had a lump scare, a problem with my ear and an MRI - all consultations and scans etc carried out within days. There is no way this would happen on the NHS. It's until you find something wrong which scares you, that you really appreciate the speed and customer service of private health.

Alan50

Thanks to all those peaple who posted there comments. I will be keeping my PHI and as i have no pre existing conditions most things will be covered.
Just seems so unfair that I and most other people are paying more tax but the NHS still cannot cope with the demand....God bless you all...Alan

Bossyboots

hobo28 wrote:

Its truly shocking reading these stories about the state of the NHS. Wonder if the politicians have private health cover or not? They dont seem to live on the same planet as the rest of us.

One thing I was surprised to find out was that a lot of company health insurance schemes cover existing conditions so even if you join their company whilst having a condition, it is covered. I didn't realise this but my friend who needed an eye operation found this out.

The icing on the cake for me when my son had his operation was that not only did I get to see the consultant when I wanted, he even gave me his mobile number so I could call him directly!

It was thanks to a poster on here that I discovered I could join my OH's company scheme and be covered for my pre-existing conditions. I had spent ages scouting around for cover as I dislike my orthopaedic surgeon and wanted to switch to another one. One post from a member here and all was taken care of. The out patient cover is a bit lower than is really required but they covered my problems earlier this year and will cover my foot operation if it is needed. I am just hoping my MRI doesn't show that I need a back operation but even if it does, I know it will be done quickly and in good surroundings (although I will have the delicate task of switching consultants because I certainly am not letting my current one near me with a scapel!).

Toothsmith

Alan50 wrote:

I have had PHI for 15 years, never used it (I am 49) Is the NHS quick enough and good enough to care for my needs. I am self-employed, so speed of service is essential
God willing I have been fit and well, and hopefully labour has improved the system? but the premiums are increasing with age...any comments..Thanks

If you are self employed, you do not have the benefit of sick pay. If you are off work, you don't earn. If you employ people, their job is on the line too.
Customers soon go elsewhere.

Your health is your biggest and most fragile asset.

Do you have any trade/professional associations through which you can get it cheaper?

I have had cover with Norwich union from about the time they started doing healthcare. When I started about 15 years ago, it cost me £12 a month. It's now over £80!!!:eek:

As I am a dentist using Denplan, I found out the other week that through AXA, the parent company of Denplan, a special deal for Denplan dentists has been arranged, and I can get cover for me, including pre-existing conditions so long as I don't claim for them in the first 12 months, for £35, or my whole family for £85.

If you have no work organisation, often a local chamber of trade, or regional development agency may have negotiated a rate with somebody.

Worth a look.

Mrs_Optimist

Can anyone recommend a good supplier of PHI?

nearlyrich

We have PPP as a company benefit, I work for a large company so we get a 24 hour helpline etc, like NHS Direct but free, I have had really good service from them.

On the other hand I must defend the NHS as over the last few weeks I have had a lot of experience of various bits of it due to mum's ill health. We went to a follow up appointment where we were out before the appointment time unheard of a few years ago.

hobo28

Alan50 wrote:

Just seems so unfair that I and most other people are paying more tax but the NHS still cannot cope with the demand

I agree. It shocking and I can't for the life of me figure out why we pay so much yet so little of it seems to be working.

Toothsmith

Because a healthcare system, available to all, and free at the point of delivery can never work. People do not have a vested interest in keeping themselves healthy.

tim_n

The day you stop paying it will be the day you get ill.

Pay it for ever and you're pretty much guarenteed good health!

That's murphys law for you...

clairehi

Toothsmith wrote:

II found out the other week that through AXA, the parent company of Denplan, a special deal for Denplan dentists has been arranged, and I can get cover for me, including pre-existing conditions so long as I don't claim for them in the first 12 months, for £35, or my whole family for £85.



Worth a look.

Hi toothsmith

I had a quote from AXA recently for PHI, as my employer has a link with them and did nothing with it. A few weeks later they sent me a special offer letter giving me 40% off if I responded in 2 weeks.

having said that I reckon I can still get it cheaper elsewhere.