Will Health Insurance work for Diabetic person?

SCUD

Hello guys...
My mom is diabetic and she suffers from high blood pressure as well.
That is why she keeps seeing the GP from time to time to check her and give her medicine and stuff.

But after changing the GP twice she came to a conclusion that those so called doctors know NOTHING.

One GP prescribed her some vitamins and the pharmacist asked heR about the percentage of that vitamin in the tablet. So she asked the doctor and he expressed his wonder that the tablets HE prescribed comes in different of ingredient percentage so he told me my mom: "Go for the lower dosage, just to be safe"!!!

So to cut this short I'm thinking of Health Insurance as I believe they will send you to some really qualified doctors. But I don't know how it works. I was told that health insurance is good when you do an operation or have an accident. But is it good for my mom case?

How is it going to work for someone like her. Diabetic and needs to see doctor on regular basis?


I just want to get her to see good qualified doctors those I'm capable to afford their cost.



Or if you know somone like here, what kind of doctors they see and how much do they pay them everytime the see them?


Any advise or sharing your experience is highly appreciated.

opinions4u

She may struggle to get insurance at a premium that's affordable.

Diabetes is a difficult and expensive disease to control. Paying yourself would be £150+ per consultation plus the cost of private prescriptions would stretch most budgets.

I think the NHS may still be her best bet.

InsideInsurance

Private medical insurance typically excludes chronic conditions as well as pre-existing conditions. Even if you could convince an underwriter to take on the pre-existing issue it would typically only be for acute periods not the day to day management.

Many of the private doctors do also do NHS work and so you should get the same level of knowledge. In theory the level of service you get I am sure should be equal but on the basis a NHS GP gets £X per patient per year where as a Private GP gets £Y per hour it is possibly inevitable that there are differences given one is incentivised by getting through volume and the other for the amount of time spent with patents.

A Private GP is typically about £250 per hour but you have to remember you need to pay for any blood tests etc or medications on top of that and a private GP cannot write an NHS prescription.

I've always been surprised that the larger private providers dont offer a discount on the non-covered services to its members.

System

Insurance is for things you don't need. Once you know you need it, you can't get insurance at a reasonable price.
What you need is the equivalent of a maintenance contract, and you can't get a better deal than the NHS.

InsideInsurance

Clifford_Pope wrote: »

Insurance is for things you don't need.

:T

Always seen it described as things you dont know about rather than dont need.

Unfortunately it is knowledge and not need that defines its insurability but there are some after the event insurances you can purchase.

pelirocco

As others have said , you can not get health insurance for pre existing conditions
And welcome to the world of nhs lack /( mis)information re diabetes

Check out this forum for very valuable advice
http://www.diabetes.co.uk/diabetes-forum/

SCUD

Many thanks guys for the advice and the website.

InsideInsurance

pelirocco wrote: »

As others have said , you can not get health insurance for pre existing conditions

You can get health insurance for pre-existing conditions in certain circumstances but I agree they are the exception rather than the rule.

My former employers had a non-underwritten policy which did cover pre-existing conditions and upon leaving the company the PMI provider was willing to continue cover as a private customer including the cover for the disclosed conditions.

pelirocco

InsideInsurance wrote: »

You can get health insurance for pre-existing conditions in certain circumstances but I agree they are the exception rather than the rule.

My former employers had a non-underwritten policy which did cover pre-existing conditions and upon leaving the company the PMI provider was willing to continue cover as a private customer including the cover for the disclosed conditions.

We have private health cover , and we can change providers and they will cover existing conditions , but assume they are in someway keeping the existing policy

I am surprised there are policies that will cover existing conditions when you get cover for the first time?

getting travel insurance is bad enough , luckily our health cover provides that

InsideInsurance

pelirocco wrote: »

I am surprised there are policies that will cover existing conditions when you get cover for the first time?

They exist for corporate policies but everyone pays the same premium and so if you ignored the tax benefit it would be a poorish deal for a fit healthy young member of staff but a great deal for us old ones with a host of pre-existing conditions