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Private Health Insurance - how soon can I claim?
keviedonnelly
Posts: 2 Newbie
My wife & I have 3 children: 6, 4 & 3.
Our eldest had poor hearing, affecting his speech etc which was flagged by a speech therapist. He has some hearing tests done confirming he had “glue ear” he was then on a waiting list to see a consultant on the NHS
The current waiting time to see a consultant in our area is 64 weeks, with a further 174 weeks to get the procedure to help with the glue ear.
So we went private. The first quote we got was a little over £4k, but we then got it done at another private clinic for £1,700. There was an immediate improvement.
Our eldest had poor hearing, affecting his speech etc which was flagged by a speech therapist. He has some hearing tests done confirming he had “glue ear” he was then on a waiting list to see a consultant on the NHS
The current waiting time to see a consultant in our area is 64 weeks, with a further 174 weeks to get the procedure to help with the glue ear.
So we went private. The first quote we got was a little over £4k, but we then got it done at another private clinic for £1,700. There was an immediate improvement.
The consultant we seen advised us to get private medical care as these issues with the ears can be hereditary. Our 4 year old is now constantly saying “what”.
This hasn’t been flagged by a Dr or speech therapist etc, but we feel that she probably has the same issue as our eldest had
My question is: if I purchased private medical insurance for the family now, would we be able to get her seen privately as it’s not a “pre-existing condition” as it hasn’t been flagged anywhere yet?
& how soon after taking out insurance can you make use of it typically?
This hasn’t been flagged by a Dr or speech therapist etc, but we feel that she probably has the same issue as our eldest had
My question is: if I purchased private medical insurance for the family now, would we be able to get her seen privately as it’s not a “pre-existing condition” as it hasn’t been flagged anywhere yet?
& how soon after taking out insurance can you make use of it typically?
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Comments
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step one is if you work for a large ish company do they have a health package? this might be cheapest and allow more immediate access. always check the T&Cs of course. just know that there is an issue might make it a pre-existing condition even if it's not officially diagnosed.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe and Old Style Money Saving boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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If you believe your 4 year old is already displaying symptoms then it is pre-existing condition for them. For personal PMI it is likely any pre-existing conditions will be excluded, if your employer offers PMI then it may or may not cover pre-existing conditions.0
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Your 4 year old is showing symptoms and you suspect she has a health condition. For personal PMI they tend to exclude these things. If you're fortunate enough to get PMI through your employer, pre-existing medical conditions are often covered.My partner and I used to purchase PMI on a personal basis but now we have this cover provided by our employers.
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