Keeping two health policies going

Evade

Hello
I couldn't find a health insurance section, so if this is wrong, feel free to move please
I had very serious cancer when in my 20s. I've been in remission for thirty years. I've had Bupa insurance since before my cancer bout, but didn't use Bupa for any of the cancer treatments.

I've just been offered subsidised health insurance from my work, which means I'd get a new Bupa policy and can add my husband to the policy at a reduced rate (which we need, as his insurance has just finished after moving jobs).

The question is, do I keep my original Bupa insurance at £175 p/m as well as the new work one?

I think it's best to keep my original Bupa policy for the following reasons:

• When I retire I want a personal health policy for any conditions that might arise (esp worried about the future state of NHS). My assumption here is that it will be much more expensive getting a new personal policy when I retire, than it would be if I just keep my current personal policy running at £175 p/m
• I am also worried that should I cancel my existing personal policy and then get cancer in the next ten years, that I won't be able to get cover for cancer in the future when taking out a new personal policy (pre-existing condition exclusion). My current personal policy definitely covers this as I took it out prior to getting cancer.

My husband doesn't think so and says we could put the £175pm in a savings policy.
Does anyone have any experience of this?

Thanks

Savvy_Sue

I think I'd speak to BUPA about this: they may have views on multiple policies. 

I think you're right about your reasoning for keeping the existing policy, but I'm not sure I'd want to take out the work policy - have you costed adding your DH to your current policy?

Arthog

You will need to factor in the fact that as you get older, the fees become astronomical. Ours doubled on my OH's 60th birthday. We changed a couple of times, and when we were with the final company I felt that they would find ways of not keeping their side of the arrangement. These were all well-known companies. We now put the cash into a savings account which is growing rapidly.

During the decades we were insured we had made very few, low value, claims