new job on £36k private health care inc but what will i be taxed

mildred1978

emmell wrote: »

excellent food (even tho' my appetite did wane with the treatment), and they don't treat visitors as intefering intruders.

:rotfl:

Am reminded of my birth experience in 2010. There are no private maternity hospitals in Wales so I was subjected to the NHS experience.



My son was born at around 5am. I was on the ward by 6am and hubby was asked to leave as "visiting hours aren't till 10am"

pimento

The food in the Royal London Hospital when my son was born in 1992 was so bad (cauliflower with curry) that some of the women's relatives brought in primus stoves and were cooking by the bedsides.

I kid you not.

Son was jaundiced so we were prisoners for nearly a week. I was begging to be freed when the finally let us go.

jackieb

minority wrote: »

Cheers for the replies. Thought it would be more.

I just like the thought that she can be seen quicker as sine shocking waiting times in aberdeenshire. Example being my gf after birth her area is raw and only just got appointment end of Jan after it look like they Richard her up badly.

My son got admitted to the ARI. He was in for 4 nights and I got £400 from Bupa as I hadn't went through them. My husband's health insurance has changed though and it's now £50 per night if you're in hospital and not going through your health insurance. I think we're with Aviva now.

InsideInsurance

jackyann wrote: »

Very personal view, take it or leave it (I am a mother, grand-mother & recently retired nurse specialist)
Apart from convenience & nice carpets, private health care offers little that the NHS doesn't. Most schemes don't cover pre-existing conditions, and if you have major problems, they'll transfer you to the NHS.
Any children's problems are best dealt with in the NHS where the specialist knowledge is.

Actually, most company schemes are not underwritten and many do cover pre existing conditions.

The quality of schemes do very greatly so do check what you are getting. One previous scheme I had only covered cases where the NHS waiting list was over X weeks, did cover pre-existing and only included the "standard" hospitals with a £500 excess. The next scheme I was part of was no excess, no NHS waiting list clause and included all hospitals and all but the very top rooms in all hospitals. This later one was £900 per year for joint cover on my P11D and so I paid £30 a month for it. I now have the same cover paid for privately (with pre-existing condition cover) for £120 a month but a £100 excess/year/condition

Never had to claim to date but know plenty that have and the difference in speed of treatment has been black and white

telboyo

The problem with with private hospitals is the limited treatment you receive, if for example you go in for a routine knee op and then get complications for any reason, their response is generally " Not my problem mate" and dump you off in the local NHS ward. The NHS then have sort out all the issues.
The reason NHS service appears to be poor is that people abuse it because it is "free" and consequently they go to the hospital/doctor for the most ridiculous reasons. With private companies there is usually an excess to pay or the premium is covered by an employer. The type of employer that gives private insurance is usually the sort that frowns upon sickness and expects its staff to go the "extra mile" usually achieved by calling someone a manager and expecting unpaid overtime. Every time you you use the facilities of your BUPA cover you can rest assured that your company has moved you up a notch on the company sh|t list first to get the push.
If you are genuinely ill the NHS is perfectly fine.

pimento

telboyo wrote: »

If you are genuinely ill the NHS is perfectly fine.

I can't argue with that. My dad had a kidney transplant five years ago (donated by my mum) and although the hospital was filthy and we had to clean the bed and surrounds before we left him before the op, the treatment he has had then and since has been first class.

Given the choice, I'd much rather go private though. Who wouldn't?

As an aside, the hospital my husband was in had it's own ICU so there was next to no chance he was going to be transferred if there had been problems.