How Best To Find Private Healthcare

[tamaris]

No medical problems. Active but a little overweight. Non smoker / non drinker. Lady age 69.

[Rockrose]

Are you looking insurance or a one off procedure?

[tamaris]

Insurance

[ToraToraTora]

forget it, insurance cost will be prohibitive anyway and even if you get it the exclusion list will be longer than the encyclopedia Galactica.

[woofgang]

I wouldn't say forget it, I would say the same as any other insurance which is get loads of quotes and look at reviews.

[Baldric]

Don't bother, anything goes wrong they'll dump you straight back on the NHS.

[Sqad]

Aged 69 years old? You have missed the boat....forget it...the premiums would be exorbitant.

[Peter Pedant]

well goggle private health insurance for over sixties and a few come up

https://epmi.axappphealthcare.co.uk/PMIQuote/?_ga=2.234269917.256047193.1542730618-622092468.1542730618

for a free quote - they want quite a lot of personal info and I would hardly be able to say 'asking for someone else'

twenty years ago - a BUPA manager was on record as sayhing it was probably better if you just paid as arose - cancer and emergencies being picked up by the NHS

[retrocop]

//Don't bother, anything goes wrong they'll dump you straight back on the NHS.//
That's a fact Balders. Not many private hospitals around here have ICU.

[Flonska]

Once you have found out how much the premiums cost, then you could always save the amount each month for yourself.

At 65, I cancelled my private healthcare as the only way to contain the increases, was to volunteer higher excess payments and reduce benefit amounts.

In the past 3 years I have only made one "claim" which was for two consultations, one course of treatment and an MRI scan. The total was £750.00. Had I been insured, I would have paid out 36 premiums and a further £300.00 towards the bill. As it stands, my own "medical fund" retains a healthy balance.

I also changed my bank account to one which provided worldwide travel cover as I go abroad at least twice a year on holiday. The cost of this is significantly less than policies offered by other providers/travel companies/agents etc.

Sometimes it comes down to your attitude to "risk".

[tamaris]

Thank you Flonska. I like your answer.

[Flonska]

Thank you so much for the BA.

I do hope you find the solution that properly meets your needs. :-)

[tamaris]

At least now with your help I know what to do x

[ToraToraTora]

yes good idea flonska, basically self insure, takes discipline and time to build up a pot but yes quite feasible.