Private Health Care


J

JaffaB

Hi,

What are peoples thoughts on the best private health care packages
around at the moment. I want to organise private health care cover
for myself and my wife, but I want a package that allows true private
health cover - i.e, not just a payment when you have to go into an NHS
hospital, but something that allows treatment in a private clinic or
hospital and without having to wait. And of course, I dont want to pay
the earth for it.

Does anybody have experience of this, company recomendations or web
sites that compare packages?

Many thanks
 
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J

John Redman

There are AFAIK basically only 2 major providers of PHI, namely Bupa and
PPP, so your options are a bit limited; you just have to get a quote and
pick the cheapest or get a job where this cover is part of the deal.

An alternative is something along the lines of HSA, i.e. a healthcare
cashplan scheme, which I think you were referring to in your post. Some of
these *do* allow you to get treated privately; they pay you a percentage of
the cost related to the premiums you paid. So it is not just a benefit paid
when you have to use the NHS. I wasn't clear if that was what you were
saying.

HSA is the best known such provider, but is not the best value. This article
tells you more:-
http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1087156515,79991,

Bear in mind that all PH packages (that I've ever come across) require a
referral from your GP in the first instance, so you can't get a completely
private package through a scheme. You would have to pay for a private GP
yourself if you wanted that.
 
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T

Terry Harper

What are peoples thoughts on the best private health care packages
around at the moment. I want to organise private health care cover
for myself and my wife, but I want a package that allows true private
health cover - i.e, not just a payment when you have to go into an NHS
hospital, but something that allows treatment in a private clinic or
hospital and without having to wait. And of course, I dont want to pay
the earth for it.

Does anybody have experience of this, company recomendations or web
sites that compare packages?
There's an article in today's Daily Telegraph "Your Money" section on
the subject. Probably available on-line.

See
http://www.telegraph.co.uk/money/ma...Id=244&sSheet=/money/2005/08/27/ixperson.html
for the article.
 

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