Medical Insurance Cost Cutting Plan Article Discussion Area

The_silver_surfer

fluffpot wrote: »

Hi
Thanks for replies - I've not checked back here in a while so sorry for delay.

In the end I went for the National Friendly scheme, partly because I am principally taking out PMI because of my job (sparks), but I don't forsee being on the tools forever (will probably go into teaching when I can't hack it anymore!) and have the option of leaving the scheme with (hopefully) some money back.

Thanks again for helpful advice everyone

Fluff

Good choice in my opinion.

But did you manage to get anything in the way of cashback too?

I know some brokers that will give 25% of your first years premium (not including the top up) as cashback. So on a £40 + 10 top up policy its £120 cashback in under 2 months.

Probably worth having, as its £120 better off in your pocket than someone elses. Plus if you have only recently done this it will not be too late.

tj8057

Hi everyone,

I'm going to be living in America for the whole of 2010 with my wife and 6 month old son. We need to get some health insurance for our trip. It's looking like it's going to be extremely expensive (e.g. the university I will be visiting will charge about $12,000 for their scheme, BUPA gave me a quick quote of £6,000).

Does anyone have any experience getting health insurance in the States? I obviously want to have good cover for my family and if it's going to be that expensive, then so be it. But I thought I'd see if there was any cheaper way of doing this?

Thanks
Tim

PS Travel insurance won't cover me for this, as far as I know.....

munchings-n-crunchings

My mother asked for my advice regarding her medical insurance.

Her renewal sum has shot up to £152 per month.
Although aged 66 still in excellent health, and working 17 hour days :eek:
This sum includes cancer treatment drugs etc.
Considering retirement in the not too distant future, (I'll believe it, when it actually happens) she is contemplating discontinuing this policy after 13 years.

My question really is, that when in the past, she has wanted to claim, specifically regarding the cost of scans and x-rays, unless this leads to an operation, then the sum is not recoverable. It now transpires, according to a customer service agent, that these claims should have been met.

Would there be a timescale where she can file a complain for being misinformed, and file for compensation of the cost she personally paid. She has the receipts etc.
Or would too much time elapsed, probably 4 years, and not stand any chance,

Regards
Munchie

The_silver_surfer

munchings-n-crunchings wrote: »

My mother asked for my advice regarding her medical insurance.

Her renewal sum has shot up to £152 per month.
Although aged 66 still in excellent health, and working 17 hour days :eek:
This sum includes cancer treatment drugs etc.
Considering retirement in the not too distant future, (I'll believe it, when it actually happens) she is contemplating discontinuing this policy after 13 years.

My question really is, that when in the past, she has wanted to claim, specifically regarding the cost of scans and x-rays, unless this leads to an operation, then the sum is not recoverable. It now transpires, according to a customer service agent, that these claims should have been met.

Would there be a timescale where she can file a complain for being misinformed, and file for compensation of the cost she personally paid. She has the receipts etc.
Or would too much time elapsed, probably 4 years, and not stand any chance,

Regards
Munchie

17 hour days at 66 ! She puts many of us to shame.

I'm looking at a Bupa scheme for example which would cost her £67.88 monthly including everything and more you have just mentioned. There are many other insurers as well!

She should definately try and claim via the insurer retrospectively for her claims which were wrongly denied and if they refuse i know many people who have taken their case to the financial ombudsman and won. Their decision is legally binding on the insurer but not on you (so you can still take them to court should this fail). Obviously give them as much detail as you can. They should be able to request the information from the insurers too.

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

0845 080 1800
enquires@financial ombudsman.org.uk

precession

Hi

After some advice. I'm a healthy 38 yr old male, non smoker, wife and 2 kids - all good health.

However I've got some major dental teatment (gum disease) that has been flagged up by my dentist. May cost in the 5 - 10k range.

I've also been considering private healthcare as my bad had a bad experience on the NHS recently.

My question is: would any provider take me on, with the pre existing dental condition?

many thanks

Phil

chioma_nwosu

triciclo wrote: »

Hello
I have been in BUPA almost 4 years now. I am 26, started when I was 22. Original premium was around £70 a month (for my own insurance only, no dependents). I didn't shop around as I thought BUPA was pretty much the only insurer in the UK. At the moment, insurance is £90 a month, which I consider very high. I do have quite a high cover though... select care 2 with no access. I rung them up a little while ago to see if I could reduce the premium but what they offer was basically have an access and deduct that from annual premium.

I looked today at money supermarket and was put in touch with health on line and they gave me a much cheaper option. I also looked at go compare and realised that there are a lot of cheaper options. I don't have critical pre-existing conditions and I'm not too bothered if those aren't covered. What worries me is that I don't know anything about these other health insurance providers, I have not been able to find consistent reviews.

I would appreciate some advice, whether I'm right in thinking I'm paying too much and if I would be at risk in changing insurance provider... so far the claims I've made to BUPA (which have involved a couple of specialist consultations and one day patient treatment) have been handled without much trouble.

I hope you can help.

Hello newbie

I am asenior healthcare consultant with Stanadard Life Healthcare, give me a call on 07553088995 for a no obligation advice on your healthcare plan. rgds aLEX

chioma_nwosu

Wutang wrote: »

All of them usually cover pregnancy complications but not the ongoing care etc. With most you need to have had the policy in place for a year or so before they then include it.

You will not get an insurance policy to cover giving birth in a private hospital as its not an unforseen circumstance. I think Standard Life offer money towards it (but considering the costs involved, you would need to contribute an awful lot yourself).

hI there, I am a senior healthcare consultant with Standard Life healthcare, I can talk you through our maternity cover if you contact me on 07553088995. Rgds Alex

Quentin

chioma_nwosu wrote: »

hI there, I am a senior healthcare consultant with Standard Life healthcare, I can talk you through our maternity cover if you contact me ........ Rgds Alex

Just spam (or cynical abuse of the forum)

chioma_nwosu

tj8057 wrote: »

Hi everyone,

I'm going to be living in America for the whole of 2010 with my wife and 6 month old son. We need to get some health insurance for our trip. It's looking like it's going to be extremely expensive (e.g. the university I will be visiting will charge about $12,000 for their scheme, BUPA gave me a quick quote of £6,000).

Does anyone have any experience getting health insurance in the States? I obviously want to have good cover for my family and if it's going to be that expensive, then so be it. But I thought I'd see if there was any cheaper way of doing this?

Thanks
Tim

PS Travel insurance won't cover me for this, as far as I know.....

Hi There, as health insurance is an advisory product, can you please call me on 07553088995 regarding your query of international cover. Alex RGDS.

Quentin

More spam!