Private health care opinions.

NoobCannon

NoobCannon

NoobCannon

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13 Jun 2011
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Hi all, have the opportunity to add my family to works health care scheme (bupa)

Is relatively cheap as subsidised by company, theres me, mrs and 2 kids

Mrs thinks its a complete waste of money but ive told her that me and the kids will be going onto it regardless of what she has to say about it. Her reasoning for the kids is that “they rush kids thru the nhs anyway”

My dilema is to just put her on it anyway regardless of what she thinks and say “i told you so” if its ever needed or just stick to the plan and have me and kids and thats it.

Total monthly paid by me for whole fam = £86 + tax Just me and kids = £55 + tax

I think to myself 1. Shes insane 2. If i didnt put her on it and something happened how would i explain that one to her parents or friends other family etc just by saying she didnt want to go on it??

The basic gist of the cover is that anything that happens (non emergency) and there is more than a 6 week nhs wait bupa will pay for private care. Plus obviously immediate access to consultants etc etc.

Stuck in a dilemma, so what would gd do!

Edit :- Just to add as this is GD I wont be adding a pic of the mrs before you decide (or after)
 
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I'd put her on, on the sly.
If she ever needs it, she'll be damn thankful for it.

As you say.. If something serious happens, although you wouldn't be wrong to not put her on, if it becomes serious, and it could have made a difference, you'll feel beyond terrible
 
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I've used company health care quite a bit. So has the rest of my family on my healthcare. I don't currently have it because it's not a perk at my current place. But I would definitely take it if it were.

When I had cancer it meant I was treated within a week, not within months.
 
I had private health care about 20 + years ago when I worked in a factory of all places. It was very cheap at the time, subsidised through work and one of those things you hope you never need.
When my wife was in hospital for a few months we got several thousand pounds...
With a failing NHS service it's not a terrible idea although we don't have it now.
 
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Totally not a waste of money. I have Aviva, costs me a bit more than yours costs you. Still worth it. I had some cataract issues and I could get them sorted out via Aviva easier than I could get an appointment to see a GP to get a referral to a specialist via the NHS :p
 
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nhs is getting worse, private health care is already essential to get dealt with in a reasonable timeframe.

you need her and the kids to be healthy, you are buying it for you not for them.
 
throwaway4372 said:
nhs is getting worse, private health care is already essential to get dealt with in a reasonable timeframe.

you need her and the kids to be healthy, you are buying it for you not for them.
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Side track welcome to Tory privatisation by the back door! Run the service down to the point everyone well off has private cover and then tear down the NHS and leave the poor to rot.

Back on topic put her on the insurance regardless seems crazy not to, oh and don't say things like 'paid for by me' you are a family and the family is paying for it out of the families money.
 
a1ex2001 said:
Side track welcome to Tory privatisation by the back door! Run the service down to the point everyone well off has private cover and then tear down the NHS and leave the poor to rot.

Back on topic put her on the insurance regardless seems crazy not to, oh and don't say things like 'paid for by me' you are a family and the family is paying for it out of the families money.
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Just to clear that up, “Paid for by me” was in reference to the rest being subsidised by the company
 
Wife got a frozen shoulder a couple of years ago - cause serious pain, interfered with sleep, couldn't even raise her arm enough to wash her hair. NHS waiting list was longer than season tickets at <insert name of your favourite football team> as if you weren't dying from it, you're at the back of the list. Used Bupa, shoulder nearly recovered way before she'd have even seen a consultant in NHS.

On kids, depends on the service. My daughter has had hearing problems since birth (she's now 13). Some elements of NHS have been good, others shockingly long waits so we've gone through Bupa again.

If it was me, I'd put them on and not say unless you need it. Then she'll be grateful.
 
NoobCannon said:
Hi all, have the opportunity to add my family to works health care scheme (bupa)
[...]

Total monthly paid by me for whole fam = £86 + tax Just me and kids = £55 + tax
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What is the relevance of it being "works healthcare scheme" if you're having to pay for it anyway?

Are you getting a discount? If so how much? Is it excluding some pre-existing conditions because it's some sort of group scheme? If so is that relevant?
 
dowie said:
What is the relevance of it being "works healthcare scheme" if you're having to pay for it anyway?

Are you getting a discount? If so how much? Is it excluding some pre-existing conditions because it's some sort of group scheme? If so is that relevant?
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He mentioned above it's being subsidised by the company.

As a point of interest, my work-subsidised scheme has no underwriting so no issue with pre-existing conditions.
 
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Sinbad2000 said:
Totally not a waste of money. I have Aviva, costs me a bit more than yours costs you. Still worth it. I had some cataract issues and I could get them sorted out via Aviva easier than I could get an appointment to see a GP to get a referral to a specialist via the NHS :p
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Worth pointing out that some insurance policies (this was the case with ones I've had via both Bupa and Axa) require a GP referral first in order to make a claim. Of course, a private referral from a GP is typically far easier to get than a regular NHS reference but if your issue is even getting a GP appointment then that's still potentially and issue with some insurance too, unless you also pay out of pocket for a private GP appointment.

Sinbad2000 said:
He mentioned above it's being subsidised by the company.

As a point of interest, my work-subsidised scheme has no underwriting so no issue with pre-existing conditions.
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By how much though? Mine was simply paid for (and taxed as a benefit in kind). If you're having to pay circa a grand a year for it then I'd maybe shop around too and see what is included vs other schemes and check if they're fine with pre-existing conditions or not.
 
dowie said:
What is the relevance of it being "works healthcare scheme" if you're having to pay for it anyway?

Are you getting a discount? If so how much? Is it excluding some pre-existing conditions because it's some sort of group scheme? If so is that relevant?
Click to expand...

All pre existing conditions are covered. Theres also no “excess” to pay on a claim.

The total cost is £200 ish a month pre tax looking at the break down of it.
 
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I would highly recommend you do it. I was in the same position with my work a few years ago and got the whole family covered. Low and behold my wife had gallstones (she thought she was dying) last year and it was sorted through Bupa super quick. The wait on the NHS was going to be horrendous (and the pain was unbearable at times). Well worth doing in my opinion.
 
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