Private health care opinions.

[NoobCannon]

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)

 

[NoobCannon]

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.

Just to clear that up, “Paid for by me” was in reference to the rest being subsidised by the company

 

[NoobCannon]

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?

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.

 

[NoobCannon]

@EvilRob doesn't private health insurance offer any contribution towards prescriptions?

Mine offers payment for the prescriptions also it seems up to an amount (£250)

9 times out if ten however even with the nhs its cheaper to buy an off the shelf version. The pharmacist usually recommends an alternative.

 

[NoobCannon]

For inpatient hospital stuff they will but for outpatient or discharge medication you get billed separately (this was with both Axa and Bupa), so for example take home meds after an operation (painkillers, anti-sickness tablets) will generate an invoice you need to pay. But it's often for a small amount and if you're a bit forgetful like me then the private hospital sends a few chasers and then forgets about it (after all they've just made a few grand from you and aren't going to fuss over the £12 unpaid bill).

For outpatient stuff (at least via a specialist/consultant) an easy workaround is for your private consultant to write to the NHS GP who referred you and to recommend they start you on X medication.

As above. I get £250 towards outpatient medicine per year on this policy. So it does exist