Results 1 to 8 of 8

Thread: Which PMI - Private medical insurance?

  1. #1
    Senior Member Bonebreaker777's Avatar
    Join Date
    Dec 2012
    Location
    Herts, UK
    Posts
    2,035
    Thanks
    55
    Thanked
    203 times in 186 posts
    • Bonebreaker777's system
      • Motherboard:
      • MSI H97I AC
      • CPU:
      • Xeon 1225 v3 + Freezer 11 L
      • Memory:
      • 2 x 4GB 1600Mhz 1T-8-8-8-20 1.35V Crucial BallistiX Tactical VLP
      • Storage:
      • 128GB CRUCIAL MX100///XPEnology server + 3 x WD Purple 3TB
      • Graphics card(s):
      • Intel HD 4600
      • PSU:
      • be quiet! L8 300W PSU BN220
      • Case:
      • Cooler Master Elite 120
      • Operating System:
      • Windows 10 Pro 64bit
      • Monitor(s):
      • Samsung SyncMaster 226BW
      • Internet:
      • Virgin 100Mb

    Which PMI - Private medical insurance?

    Hi

    I think it is the best place to ask a similar question.

    I been thinking about PMI for my missus, but not really sure which. Asked already 3x so called independent agents, and all said something different with different prices for the same person with the same profile.

    I been checking PMIs and the best I found really for my missus is April (http://www.april-uk.com/home).

    Any thoughts or so? Thanks!

  2. #2
    Treasure Hunter extraordinaire herulach's Avatar
    Join Date
    Apr 2005
    Location
    Bolton
    Posts
    5,618
    Thanks
    18
    Thanked
    172 times in 159 posts
    • herulach's system
      • Motherboard:
      • MSI Z97 MPower
      • CPU:
      • i7 4790K
      • Memory:
      • 8GB Vengeance LP
      • Storage:
      • 1TB WD Blue + 250GB 840 EVo
      • Graphics card(s):
      • 2* Palit GTX 970 Jetstream
      • PSU:
      • EVGA Supernova G2 850W
      • Case:
      • CM HAF Stacker 935, 2*360 Rad WC Loop w/EK blocks.
      • Operating System:
      • Windows 8.1
      • Monitor(s):
      • Crossover 290HD & LG L1980Q
      • Internet:
      • 120mb Virgin Media

    Re: Which PMI - Private medical insurance?

    Why just for her? Presumably because you have it for work? Go speak to your personnel department. At both places I worked before were married I was able to add my (now) wife to the policy as a dependent. You'll generally find it works out a lot better, the only stipulation was that she had to have a medical. One was with Axa, the other bupa. We only ever used the BUPA cover and found it reasonable, they were also very good with my sister when she had a pretty serious (and long running) condition a few years ago (obv on her own policy).

  3. #3
    Senior Member Bonebreaker777's Avatar
    Join Date
    Dec 2012
    Location
    Herts, UK
    Posts
    2,035
    Thanks
    55
    Thanked
    203 times in 186 posts
    • Bonebreaker777's system
      • Motherboard:
      • MSI H97I AC
      • CPU:
      • Xeon 1225 v3 + Freezer 11 L
      • Memory:
      • 2 x 4GB 1600Mhz 1T-8-8-8-20 1.35V Crucial BallistiX Tactical VLP
      • Storage:
      • 128GB CRUCIAL MX100///XPEnology server + 3 x WD Purple 3TB
      • Graphics card(s):
      • Intel HD 4600
      • PSU:
      • be quiet! L8 300W PSU BN220
      • Case:
      • Cooler Master Elite 120
      • Operating System:
      • Windows 10 Pro 64bit
      • Monitor(s):
      • Samsung SyncMaster 226BW
      • Internet:
      • Virgin 100Mb

    Re: Which PMI - Private medical insurance?

    First,I don't really want a PMI.
    Second, not sure how long my company will keep up the current policy because people are abusing it, or rather few are doing it but because of they diverse background they can't be confronted (man I hate bla-bla human rights and sensitivity plus they can't be touched even if they are "insert random swear word in plural" ).
    Third, because of the change recently in the policy, the savings are close to nothing if I would take the policy out plus add her as dependant.

    But I will double check Tuesday as first thing just to be sure so thanks for that idea.

    The reason my GF would like to have a PMI (even if right away can't take advantage of the benefits) because of her numerous conditions. As an example, varicose veins are not covered by NHS so private is the only option but it is £2-2.5k per treated leg. And that is only one of her conditions, so sooner she is on it, the better.

  4. #4
    Treasure Hunter extraordinaire herulach's Avatar
    Join Date
    Apr 2005
    Location
    Bolton
    Posts
    5,618
    Thanks
    18
    Thanked
    172 times in 159 posts
    • herulach's system
      • Motherboard:
      • MSI Z97 MPower
      • CPU:
      • i7 4790K
      • Memory:
      • 8GB Vengeance LP
      • Storage:
      • 1TB WD Blue + 250GB 840 EVo
      • Graphics card(s):
      • 2* Palit GTX 970 Jetstream
      • PSU:
      • EVGA Supernova G2 850W
      • Case:
      • CM HAF Stacker 935, 2*360 Rad WC Loop w/EK blocks.
      • Operating System:
      • Windows 8.1
      • Monitor(s):
      • Crossover 290HD & LG L1980Q
      • Internet:
      • 120mb Virgin Media

    Re: Which PMI - Private medical insurance?

    You need to read the policy documents very carefully then, particularly if buying through a broker. Lots won't cover preexisting conditions. That's the reason why work policies tend to look expensive.

    Secondly, varicose veins in particular might not be covered. My mum wasn't able to have hers done until they started to cause pain when she walked. Prior to that they're considered a cosmetic condition.

  5. #5
    Senior Member Bonebreaker777's Avatar
    Join Date
    Dec 2012
    Location
    Herts, UK
    Posts
    2,035
    Thanks
    55
    Thanked
    203 times in 186 posts
    • Bonebreaker777's system
      • Motherboard:
      • MSI H97I AC
      • CPU:
      • Xeon 1225 v3 + Freezer 11 L
      • Memory:
      • 2 x 4GB 1600Mhz 1T-8-8-8-20 1.35V Crucial BallistiX Tactical VLP
      • Storage:
      • 128GB CRUCIAL MX100///XPEnology server + 3 x WD Purple 3TB
      • Graphics card(s):
      • Intel HD 4600
      • PSU:
      • be quiet! L8 300W PSU BN220
      • Case:
      • Cooler Master Elite 120
      • Operating System:
      • Windows 10 Pro 64bit
      • Monitor(s):
      • Samsung SyncMaster 226BW
      • Internet:
      • Virgin 100Mb

    Re: Which PMI - Private medical insurance?

    With "April" preexisting conditions are covered after 2 years having the policy. Preexisting condition is anything you have 5 years prior to the policy and 2 years after. And varicose veins are covered. Plus they are already hurting my missus - she said sometimes they get hot burning like if they have acid.

    If I remember correctly, the work policy is under Bupa - do you think Bupa would eventually cover the veins if we are long enough with them?

  6. #6
    Theoretical Element Spud1's Avatar
    Join Date
    Jul 2003
    Location
    North West
    Posts
    7,508
    Thanks
    336
    Thanked
    320 times in 255 posts
    • Spud1's system
      • Motherboard:
      • Gigabyte Aorus Master
      • CPU:
      • 9900k
      • Memory:
      • 16GB GSkill Trident Z
      • Storage:
      • Lots.
      • Graphics card(s):
      • RTX3090
      • PSU:
      • 750w
      • Case:
      • BeQuiet Dark Base Pro rev.2
      • Operating System:
      • Windows 10
      • Monitor(s):
      • Asus PG35VQ
      • Internet:
      • 910/100mb Fibre

    Re: Which PMI - Private medical insurance?

    Quote Originally Posted by Bonebreaker777 View Post
    If I remember correctly, the work policy is under Bupa - do you think Bupa would eventually cover the veins if we are long enough with them?
    They may well do - should be able to check with whoever is running the scheme at your work. We use Aviva for ours and preexisting conditions are covered, as the policy is on a "medical history disregarded" basis. It pushes the cost up to some £200ish per year but I don't pay it personally of course

  7. #7
    Senior Member
    Join Date
    Aug 2013
    Location
    North Wales
    Posts
    1,849
    Thanks
    165
    Thanked
    271 times in 202 posts
    • virtuo's system
      • Motherboard:
      • Gigabyte Aorus Master X570
      • CPU:
      • Ryzen 9 5950x
      • Memory:
      • 64Gb G.Skill TridentZ Neo 3600 CL16
      • Storage:
      • Sabrent 2TB PCIE4 NVME + NAS upon NAS upon NAS
      • Graphics card(s):
      • RTX 3090 FE
      • PSU:
      • Corsair HX850 80+ Platinum
      • Case:
      • Fractal Meshify 2 Grey
      • Operating System:
      • RedStar 3, Ubuntu, Win 10
      • Monitor(s):
      • Samsung CRG90 5140x1440 120hz
      • Internet:
      • PlusNet's best, but still poor, attempt

    Re: Which PMI - Private medical insurance?

    Quote Originally Posted by Spud1 View Post
    but I don't pay it personally of course
    It's a taxable benefit, so you do pay a bit for it.

    Last place I had private healthcare used PruHealth. If you get offered PruHealth, run away as fast as you can. They are useless. Took me nearly 2 years of hassle and jumping through hoops to get a payout from them.

  8. #8
    Registered+
    Join Date
    Mar 2006
    Posts
    27
    Thanks
    0
    Thanked
    0 times in 0 posts

    Re: Which PMI - Private medical insurance?

    One of the benefits i get through work is PMI, the coverage is with AXA PPP.

    I have to say, it's been fantastic and boy have i needed it as at the age of 28 i found out i had Thyroid cancer. I'm all clear now after 18 months but the private healthcare has come in handy and here is why;

    • Because of my age and showing no symptoms of cancer except a lump in my neck i wasn't looked at with urgency and it could of taken 4-6 weeks to see an ENT on the NHS after being referred. One quick call to AXA PPP and i was seeing one 48 hours later, 24 hours after that i was having a scan and 48 hours after that the results were discussed with me and operation scheduled to remove the lump. This would of taken an age on the NHS and bare in mind my tumour went from 2cm to 5cm in size in the month or so i was waiting for my operation.

      My operation was delayed due to Christmas coming up, even my consultant didn't see the need to rush as cancer was so unlikely and tumour shape was not suspect so agreed better to enjoy holidays and do the operation after.. Even then i could of chosen to have it earlier.. Now imagine how big it would of gotten with the time i'd of had to wait on the NHS.

    • My first operation was in a private hospital, Wifi, unlimited ice cream and a private room. Winner.

    • Second operation on ward in NHS (Due to increased risks of complications, had to be on high dependancy unit. Was either goto a private hospital further away with one or goto a local NHS hospital). Oh how i wish i went private for 2nd op, on an open ward and the nurses managed to cock up my medicine which meant 2 days after op i had a terrible time with low calcium levels.

    • Private follow-ups for life, if i need a checkup i just ring and book one. Post being claimed all clear this has helped, any nerves are settled with a quick scan.

    • Appointments can meet your schedule, in the NHS you get very limited appointment availability. You also aren't waiting an hour in some over-crowded waiting area in a hospital. Nice surroundings and usually seen on time or within 5 mins of your appointment, free coffee and newspapers. You are also not rushed through an appointment.


    My wife and son are also on my health insurance policy.

    When you're going through what i went through, you truly appreciate the benefits private healthcare gives you. It removes a great deal of stress from an already stressful situation by being flexible and comfortable.

    Don't go with BUPA, all the consultants i've seen have nothing good to say about them. They haven't increased their rates in line with other providers apparently. Also my sister used to work for them, she wasn't impressed. I'd say go with AXA PPP based on my experience.
    Last edited by AndyDel; 07-05-2014 at 10:22 AM.

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •