Employer Private Health - £350 for 10 minutes

mschris

Even comparing personal PMI plans and group schemes will be nonsensical as they are administered in different ways.

@Weighty1 So glad you focused on the sentiment   the insurance industry will be disrupted at some point as it's horrible for the user experience.  I'm sorry if this concept is a difficult to grasp - let's check back in 10 years.  

InsurTech etc are good at making PR noises but also good at knowing how to turn that into value (even if its an unsustainable business).

Yeah, the industry is in it's infancy - let's see what happens once one of the major tech players enters this space.

Having done some work with PMI insurer there are some employers that will go the extra mile - they ask the insurer to pay claims that go beyond cover limits etc and reimburse the insurer the extra costs but as an ex-employee I'd be surprised of any such goodwill and even as an employee it tends to be reserved for fairly senior or "rising stars" types. 

This makes it worse, that there's wriggle room depending how important you are perceived to be by the employer. Urghh. 

Your best hope is to speak to the consultant and see about having the bill represented on their private rates, this is often notably less than their insurer rates.

Interesting, thank you - this is useful. 

 I was told I would not be covered unless I took on the PHI myself, which was being offered at a heavily discounted cost in the first year, so that's what I did.

Yeah, after the first appointment I wished to continue treatment - so I asked about this type of thing as well.  What I noticed about self-insure is the problematic nature of pre-existing. It seems these types of policies are only valuable as part of an employer.

I did not assume that the insurance, provided by the company, would continue once I'd left the company.

My misunderstanding was more nuanced however, fair - I get what you're saying.

chalk up to experience..

I really am - it's teaching me a lot @davidmcn this is still on-going.