Thinking of some kind of Private health care but a bit lost

[DanH84]

Evening all. I've been considering some kind of private health cover for a while but to be honest I'm a bit confused by which option is going to work out best for me. Is it any good? I've always been NHS boy in the past but I think I'd like to have the option of going private there for me and my family if necessary.

I can get 40% off Bupa plans through work, and also seriously reduced rates on a cash plan with another company. Typically do you need separate dental plans as well?

Slightly dumb questions maybe but i do want to take some advice on this as obviously it could be extremely important somewhere down the line so I'd love to hear any experiences you may have.

 

[DanH84]

Typically you would need a separate plan.

The health cash plans (even with a discount) aren't especially good. They add a lot of hassle, and the benefit is simply that you don't have a large bill at any point, instead you get a small bill all the time. It's also the case that most people on the scheme will have a discount.

Bupa is more convenient, it's not necessarily better health care.

So for a lack of hassle, a Bupa plan would possibly be worth it? I understand that paying for private health care doesn't guarantee better care as the people working at the NHS are obviously highly skilled, however with private care I assume i would have more options open to me and possibly lower wait times etc?

 

[DanH84]

I can see I'm going to need to put some more thought into this one, I'm leaning towards taking their Bupa Healthcare select 2 plan which covers for all but outpatient complementary medicines but it's not quite the cut and dried benefit i believed before asking on here. Thanks for advice so far guys.