📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Private Health Insurance

My current employer provides Private Health Insurance but this cover will come to an end in April when I leave the company.  The insurer has offered to provide me with the same level of cover and will also cover existing conditions. When I asked for a quick quote they told me it would be in the region of £150.00 to £160.00.   I will be 66 when this policy starts after my employment ends.  I would be grateful if anyone on this forum can advise whether that seems a decent deal?  I'm thinking of going with it as they will be provide cover for my existing conditions? 

Comments

  • tacpot12
    tacpot12 Posts: 9,281 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Is that £150 per month? If so, that is quite a premium, but I agree that at your age and to cover existing conditions, it is probably a competitive price. If you can afford the premium easily, then why not. My own experience is that the NHS is very good for most things, but occasionally, e.g. for physiotherapy, it can be handy to have some private insurance. 
    The comments I post are my personal opinion. While I try to check everything is correct before posting, I can and do make mistakes, so always try to check official information sources before relying on my posts.
  • Floss
    Floss Posts: 9,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    If you can afford it, stick with it, but also talk to your consultant(s) about seeing them as an NHS patient if you decide to cease your policy in the future. 
    2021 Decluttering Awards: ⭐⭐🥇🥇🥇🥇🥇🥇 2022 Decluttering Awards: 🥇
    2023 Decluttering Awards: 🥇 🏅🏅🥇
    2024 Decluttering Awards: 🥇⭐
    2025 Decluttering Awards: ⭐⭐
  • Immy. Try shopping around, some insurers will cover pre existing conditions.   And don't forget to haggle.  😉
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.