My company provides health insurance for free. It's considered a taxable benefit though so it does reduce the tax free allowance by about 700 quid. Since that does ultimately mean that I'm a few hundred quid less well off at the end of the year, I was wondering if it was really worth it/what other people do.
I'm lucky enough that I don't get ill much so have used the NHS maybe 3 or 4 times in the last 12 years. Have used my private insurance only once a few months ago, and it turned out that the check-up I wanted wasn't covered by it so would have to go through NHS anyway.
I can afford to continue paying it, but was wondering if there was really any point to it, given my usage and also the backstop of the NHS.
What do you lot do? Does anyone pay for private independently of getting it as a corporate benefit and if so, is it something you find useful?
I'm lucky enough that I don't get ill much so have used the NHS maybe 3 or 4 times in the last 12 years. Have used my private insurance only once a few months ago, and it turned out that the check-up I wanted wasn't covered by it so would have to go through NHS anyway.
I can afford to continue paying it, but was wondering if there was really any point to it, given my usage and also the backstop of the NHS.
What do you lot do? Does anyone pay for private independently of getting it as a corporate benefit and if so, is it something you find useful?
Nice catch!
Ok, given that not even one person really has said to not bother, I guess it makes sense to keep it. Grates slightly given I don't ever really use it, but as a couple of posters have said, you never know when you need it.