Private Health Insurance - Advice?

somethingcorporate

Wutang wrote: »

Look up bupa fee guidelines and enjoy....

Avoid bupa and get proper medical insurance.

Our best medical experience was under BUPA - private central London hospital, appointment on Saturday PM with consultant, booked in for MRI at 9am Sunday morning, follow-up appointment at 10am the same day.

More staff than patients in the hospital, waited upon hand and foot.

Must have got lucky

We only changed from BUPA because my wife left her previous company and mine offer different medical insurance.

Tomby1

Thanks for all the helpful tips

Wutang_2

Tomby1 wrote: »

What fee guidelines are you referring to? Excess is yearly and not per issue and diagnosis and many treatments are paid in full?

& thanks very much somethingcorporate & dollywops - glad to hear you had no issues with claiming. I had considered Aviva but hadn't heard great things about them so wasn't sure on them.

What fee guidelines do I refer to? I refer to Bupa's fee guidelines! DO NOT BE BRAINWASHED BY MASS MARKETING.

They all pay out if its a legit claim and the experience stated above regarding the treatment is a tick for the hospital not the insurer!!

If you want the best go Exeter, if you want the cheapest go Aviva, if you want the brandname go Bupa and if you want s*** go Health On Line. Simples (simples as in, ask a professional rather than a bunch of randoms - it is your health not a moneysaving expert thing mind).

Tiglath

We're with AXA-PPP through my work and they've been excellent - no problems regarding existing conditions, a plate in a broken leg, 2 MRIs and numerous x-rays, 2 spinal surgeries, unlimited physio, and 3 years of ongoing thyroid treatment including radio-iodine ablation. Can't fault them.

Tomby1

Just a follow up!

On recommendation from a member here, I contacted Regency Health - http://www.regencyhealth.co.uk/

Fantastic (free) advice. Outlined 3 insurers that best suited me, alongside all the relevant information I needed to choose between them. Also provided me with market reviews alongside other helpful documents.

Would certainly recommend them to anyone looking at private medical insurance. :T

cotswoldhealth

dollywops - you should have asked usaycompare for a quote from either AXA PPP, CS Healthcare or Bupa - they can't, they have had their agency agreements pulled - not good for their name I imagine when 2 of the UK's biggest insurers pull the plug on them (check their website and you wont see their logos)! How can they really advise or be impartial? Apparently Aviva and PruHealth are investigating the reasons why Bupa and AXA PPP pulled the plug! I also imagine Wutang works for Usay as he is based in Cheltenham, near to their company offices when I search online to check out where they are located!

cotswoldhealth

Also CS are not going bust, they have just posted some losses, they are still paying out claims and as an FSA regulated company, members are protected by the Financial Services Compensation Scheme! Unscrupulous brokers are probably scaremongering members so they can move them to the last few remaining insurers they have on their panel! If a broker set you up with CS and are trying to move you now that CS have stopped the broker selling their policies - ask yourself this, why? It's because when the insurer removes a broker from its panel and stops an agency agreement they therefore are stopping them from also picking up renewal commission on the clients they have put to CS in the past. Of course they will need to move them! I bet anyone with a broker CS policy will now be offered a Pru policy securing special terms to move them! Find yourself another broker!

kingstreet

cotswoldhealth - if you are acting as a representative for a particular firm you need to contact the board moderators to have your status verified and confirmed.

You will then be identifiable to members as a spokesman for that firm and they will know you are "official."

Wutang_2

cotswoldhealth wrote: »

dollywops - you should have asked usaycompare for a quote from either AXA PPP, CS Healthcare or Bupa - they can't, they have had their agency agreements pulled - not good for their name I imagine when 2 of the UK's biggest insurers pull the plug on them (check their website and you wont see their logos)! How can they really advise or be impartial? Apparently Aviva and PruHealth are investigating the reasons why Bupa and AXA PPP pulled the plug! I also imagine Wutang works for Usay as he is based in Cheltenham, near to their company offices when I search online to check out where they are located!

I guess you are a local person too mr cotswold? And your malevolence is only reflected with your over eager/misuse of the the basic english language. Remember, take a breath - and then articulating becomes far simpler.

Stick to the thread. the question was - are there any pitfalls with Pru and Bupa? I think in your haste to change the subject, you have responded to something else.

Your indecipherable mass of venom has rather spolilt what could have been constructive help. Its all about money saving on here, and the message is to avoid bupa. Any consultant will make this clear.

xx:money::money:

cotswoldhealth

Wutang wrote: »

I guess you are a local person too mr cotswold? And your malevolence is only reflected with your over eager/misuse of the the basic english language. Remember, take a breath - and then articulating becomes far simpler.

Stick to the thread. the question was - are there any pitfalls with Pru and Bupa? I think in your haste to change the subject, you have responded to something else.

Your indecipherable mass of venom has rather spolilt what could have been constructive help. Its all about money saving on here, and the message is to avoid bupa. Any consultant will make this clear.

xx:money::money:

Hmmm. Basic use of the English language. Also Oxford Commas are pretty dated now, however I could let that one go.

Dollywops mentioned Usay, I asked her to ask for an AXA or Bupa quote from them. You ask me to stick to the thread, then why did you bring in CS and the point of them about to go bust? I was merely pointing out the FSCS. You provide a brief synopsis of each insurer without truly understanding the individual's personal circumstances - you say Exeter is the best, what if you are looking for psychiatric cover? How do they fare then? I do not know, I am asking you the seemingly knowledgeable person in this area.

Also, in that regards, on any thread that you have posted on about PMI, have you not hijacked it with Bupa's shortfalls? Yes they have widely reported shortfalls in the press. However, you claim to specialise in offering advice but shoot down those that aren't specialists in that area, hence why brokers exist, to provide advice and information to those that don't know what advisers know. Your attitude reminds me of a guy called Andrew Georgyo that I used to know.

You slate someone about the Bupa hospitals, they were referring to the ones Bupa covered, not necessarily owned. You tried to make them feel stupid by using your experience knowing that Bupa own/bought one hospital (The Cromwell) and sold the rest to Spire.

Health checks are discounted on some medical insurance, as are some gyms, therefore they are relevant to the insurance policy the OP is asking advice about. I am sure an adviser would take this in to consideration in regards to their requirements? Or am I wrong?

Doing some investigation, PruHealth do not have all the hospitals as you have suggested, as they have three hospital lists to choose from, Local, Countrywide and London. Again you have belittled the OP when in fact you could be deemed as wrong.

Kingstreet, it's ok, thanks for the advice, however I am not acting for any firm, my name isn't anything official or a company name. It's a bright warm Sunny name.