Health Insurance - good deal?

Dammam

Hi - I have private health insurance through my company with Norwich Union.
It's £9.50 per week for myself, my wife(smoker) & 3 children aged 5,11 & 13.

Is this a decent deal, or could I do better elsewhere? It would have been free for myself and the youngest 2 children - the £9.50 was for my wife and eldest child.

jonesMUFCforever

A lot will depend on what is covered. From your posting we have no idea what you are paying for.
Could you give a brief summary of what you get for the money?
Eric

Dammam

Good point. Benefits are here:-

http://www.norwichunion.com/company-private-health-insurance/express-care-benefits.htm


Basically,

Hospital charges Including accommodation, meals, nursing care, drugs and dressings.

Specialists' fees Subject to Norwich Union Healthcare's fee guidelines for Specialists

Diagnostic tests Such as pathology X-rays, CT scans, MRI scans and physiological tests such as ECG's

Radiotherapy / chemotherapy

Consultations with a specialist Any procedures included are subject to Norwich Union Healthcare's fee guidelines for Specialists.

Diagnostic tests Such as pathology X-rays, CT scans, MRI scans and physiological tests such as ECG's.

Physiotherapy / chiropractic / osteopathy On Specialist referral in full; on GP referral up to 10 sessions in combined total per condition per policy year.

Specialist's fees for other consultations and tests up to £150 on GP referral per person per policy year

Nursing at home Immediately following eligible in-patient or day-patient treatment

Private ambulance Reasonable charges

Parent accommodation when staying with a child covered by the policy Child under 9 undergoing eligible treatment; 1 parent only

NHS cash benefit £60 per night For eligible NHS treament up to 25 nights per policy year

GP minor surgery up to £70 Per procedure

Hospice care £70 per day Donation to the hospice; up to 10 days maximum

Maternity cash benefit £100 per child Subject to a 10 month qualifying period

Emergency overseas cover Emergency treatment and evacuation when temporarily abroad for up to 90 days per policy year

Stress Counselling Helpline Unlimited number of calls

GP Helpline Unlimited number of calls

Personal Health Manager Unlimited use

jonesMUFCforever

It seems the policy covers a wide field. But the proof of the eating will always be what happens when you want to make a claim. How many hoops will you have to jump through before they agree your claim? Will they rely on small print to exclude claims?All insurance companies (not just Norwich Union) make it sound easy. I suppose you have to decide whether £40 per month = peace of mind and worth it for you.
Eric