Private medical

*~Zephyr~*

seashore22 wrote: »

I'm also intrigued as to why you think you wouldn't be covered if anything serious happened.

Yes, that bit confused me too. Hopefully the OP will come back and clarify things. I assume they mean anything that sees them treated as an emergency in A&E.

My Dad was diagnosed with an Aortic Aneurysm and frankly, if it wasn't for his private medical cover, he wouldn't be around today.

Our company policy has covered two instances of breast cancer, both had their chemo at home which was a much nicer experience than having to schelpp down to the hospital every time (if anything about chemo can be referred to as "nicer"!).

Another colleague had a knee replacement and it covered all his treatment, physio and consultations. £11.5k worth.

Luckily, I've not had to use my policy in the 5 years I've had it, but I certainly don't begrudge the £13 a month it costs me in tax.

martinsurrey

pimento wrote: »

Another example as to why you should opt in.

My husband had lung cancer treatment privately. They did his chemotherapy at home. They included the expensive drugs that the NHS wouldn't give him because of the cost. He never had to wait to see his consultant. If we emailed his consultant on a Sunday, he replied.

I never paid a penny but saw every bill and he had about £100,000 worth of treatment.

And another.

I was a member in my mid 20's when a lot of my peers opted out.
A family member was diagnosed with a rare heart issue, which they thought was genetic.

Me and my brother were both advised to go and see specialists.

Him on the NHS, he waited for 6 weeks for an appointment to get referred to the specialist, took him 6 months to get sorted, which was fine medically but did his stress levels no good.

I was in front of one of the UK's leading specialists in the condition within 4 days, and all sorted within a month.

Worth its weight in gold WHEN you need it.

jamesperrett

Not sure how far over the higher rate threshold you are, but if you are only slightly over you could always think about bumping up your pension contributions to keep you out of the higher rate band.

AylesburyDuck

Another example of it being a good thing,
Husbands perks is FAMILY health cover, in the 4 years we've had it, I've had my gallbladder out, Daughters had a total thyroidectomy (the expensive bloodless type), she's also had an exploratory laparotomy (sp), and husbands had knee physio.
Definitely our moneys worth.