Money Moral Dilemma: Should my son share insurance payout from his mother's hospital stay with her?

stumacdo

I say its hers. Unless he made the generous offer of insurance cover with conditions...

joanne_g_2

It’s his policy and if the mother had been seen in a private hospital he wouldn’t of got the money it is a sort of compensation because he pays for private medical insurance doesn’t matter who the treatment was for and that’s not what he received.So the money belongs to him.

Mother_of_Many

HE pays £200 a month……she pays nothing towards it? Sounds like the money is his! Why would she be entitled to it? If she paid an amount to be on the insurance that would be different, but I don’t see why he should share given she pays nothing towards her cover!

pjran

If I were his mother I would insist he keeps the money.

gerrag

If he was my son, I'd remember his decision when making my Will.

CapeTown

Well it is just as well the NHS still exists isn't it.  Otherwise the mother would have been cared for in a cupboard in the fancy hospital that the son pays for. I am sorry but this whole dilemma makes me sick. Money money money. 

HampshireH

gerrag said:

If he was my son, I'd remember his decision when making my Will.

For being kind enough to add her to his private medical policy and for her to be fast tracked via the referral.

She ended up in an NHS hospital but the private referral would absolutely have had her diagnosed and seen quicker than the NHS would have. So she would have benefited from the initial doctors appts etc before admission and a fast track service albeit in an NHS bed.

I'd remember him when making my will too. He didn't have to add her and could have waited on NHS timescales without it. Very kind of him.

CapeTown

Grouchiest said:

It must be the first time the NHS was able to treat someone before the private health sector could.   Frankly she is fortunate . Firstly she was treated, and I assume recovered well. Secondly she continues to benefit from the cover her son provides through his premium.  The least she can do is fill in the form to help him recover some of his outlay.  The least he can do is share the benefit with her. She’s his mother not some line on his account

If you have a heart attack or a stroke... where do you go. Not a private hospital but an NHS one. We need to value our NHS not run it down. 

eao

Legally and morally this money is the son's.  I personally would split it 50/50 but please, no lunch, flowers or gift, I think these display a sense of guilt and would be rather insulting.

Spendless

Unless Mum went straight from (NHS) GP visit to private hospital (which then  had to be changed to NHS stay) then somewhere along the line the private part of Mum's medical issue has been used  for free due to son adding her. That in itself is a bonus, because my husband's only allows him to add spouse and children. Usually it's the policy holder submitting the info too (accepting Mum might have filled out details). Unless Mum has occurred any financial loss eg if she's had to take unpaid time off work, in which case it would nice for son to help his Mum out with the money claimed back, it is his. I'd be seeing it as this is money towards you paying for the healthcare plan as a thank you for adding me even if I didn't end up in a private hospital.