health insurance Watch

LadyMcCartney4
Badges: 19
Rep:
?
#1
Report Thread starter 4 weeks ago
#1
hi,
I'm trying to get a quote for health insurance on bupa but I don't understand the meaning of excess- if I choose 500 pound excess my cover is just over 50 quid a month, if I choose 0 excess it goes much higher. Does it mean i have to pay 500 pounds upfront or how does it work?
sorry if this question sounds dumb.
thanks.
0
reply
claireestelle
Badges: 22
Rep:
?
#2
Report 4 weeks ago
#2
(Original post by LadyMcCartney4)
hi,
I'm trying to get a quote for health insurance on bupa but I don't understand the meaning of excess- if I choose 500 pound excess my cover is just over 50 quid a month, if I choose 0 excess it goes much higher. Does it mean i have to pay 500 pounds upfront or how does it work?
sorry if this question sounds dumb.
thanks.
£500 you have to pay if you end up needing any treatment, can you forsee yourself needing to use it? i've got a health cash plan for £18.90 a month that i've used for physio, opticians,dentist and to see a consultant as health insurance was £60 a month for me as i have asthma and i know i'm getting my money back from it .
0
reply
LadyMcCartney4
Badges: 19
Rep:
?
#3
Report Thread starter 4 weeks ago
#3
(Original post by claireestelle)
£500 you have to pay if you end up needing any treatment, can you forsee yourself needing to use it? i've got a health cash plan for £18.90 a month that i've used for physio, opticians,dentist and to see a consultant as health insurance was £60 a month for me as i have asthma and i know i'm getting my money back from it .
well yes say for instance I take out insurance and then I make an outpatient appointment with a private GP, and they decide i need tests and treatment. what would I pay then?
0
reply
claireestelle
Badges: 22
Rep:
?
#4
Report 4 weeks ago
#4
(Original post by LadyMcCartney4)
well yes say for instance I take out insurance and then I make an outpatient appointment with a private GP, and they decide i need tests and treatment. what would I pay then?
£500
0
reply
LadyMcCartney4
Badges: 19
Rep:
?
#5
Report Thread starter 4 weeks ago
#5
(Original post by claireestelle)
£500
:eek: seriously?
:/
0
reply
claireestelle
Badges: 22
Rep:
?
#6
Report 4 weeks ago
#6
(Original post by LadyMcCartney4)
:eek: seriously?
:/
unless your tests cost less than your excess and even then you might have to pay it. Unless you can foresee a serious issue, i'd get a health cash plan where you pay for things upfront but then you can claim it back.
0
reply
LadyMcCartney4
Badges: 19
Rep:
?
#7
Report Thread starter 4 weeks ago
#7
(Original post by claireestelle)
unless your tests cost less than your excess and even then you might have to pay it. Unless you can foresee a serious issue, i'd get a health cash plan where you pay for things upfront but then you can claim it back.
the lower the excess i choose the higher amount I pay per month though, it goes up to 80 quid per month.
what company are you with if I can ask?
Last edited by LadyMcCartney4; 4 weeks ago
0
reply
claireestelle
Badges: 22
Rep:
?
#8
Report 4 weeks ago
#8
(Original post by LadyMcCartney4)
the lower the excess i choose the higher amount I pay per month though.
what company are you with if I can ask?
simply health, had no trouble with them at all, i just stick whatever treatment it is on my credit card, claim it with the receipt and i have the money back within about 3 days.
A private gp appointment costs between £80-£100 in most places so unless you need up needing xrays/mris and tests more complex than bloods and allergy testing i'd stick to a health plan rather than full blown insurance. I saw a cardiologist for £200 and an ecg is £60 for example, so you'd need a couple of tests from a specialist to hit near the £500 excess.
0
reply
LadyMcCartney4
Badges: 19
Rep:
?
#9
Report Thread starter 4 weeks ago
#9
(Original post by claireestelle)
simply health, had no trouble with them at all, i just stick whatever treatment it is on my credit card, claim it with the receipt and i have the money back within about 3 days.
A private gp appointment costs between £80-£100 in most places so unless you need up needing xrays/mris and tests more complex than bloods and allergy testing i'd stick to a health plan rather than full blown insurance. I saw a cardiologist for £200 and an ecg is £60 for example, so you'd need a couple of tests from a specialist to hit near the £500 excess.
thanks. ive had a fever for days now and the nhs is useless.
0
reply
nexttime
Badges: 22
Rep:
?
#10
Report 4 weeks ago
#10
(Original post by LadyMcCartney4)
:eek: seriously?
:/
Well no - you'd cover the costs yourself of course. But if it became a lot more then the max you pay is £500.

Health insurance gets complicated and can cover and not cover various different aspects - make sure to read the policy well before signing. Also, they probably wouldn't cover a claim that's made for a pre-existing problem i.e. your current issue.
(Original post by LadyMcCartney4)
thanks. ive had a fever for days now and the nhs is useless.
What do you want them to do about it?
Last edited by nexttime; 4 weeks ago
0
reply
LadyMcCartney4
Badges: 19
Rep:
?
#11
Report Thread starter 4 weeks ago
#11
(Original post by nexttime)
Well no - you'd cover the costs yourself of course. But if it became a lot more then the max you pay is £500.

Health insurance gets complicated and can cover and not cover various different aspects - make sure to read the policy well before signing. Also, they probably wouldn't cover a claim that's made for a pre-existing problem i.e. your current issue.

What do you want them to do about it?
hopefully find the cause and treat it.
Last edited by LadyMcCartney4; 4 weeks ago
0
reply
nexttime
Badges: 22
Rep:
?
#12
Report 4 weeks ago
#12
(Original post by LadyMcCartney4)
hopefully find the cause and treat it.
I mean, most people wouldn't even go to a doctor with just a fever. Very likely just a virus...

Some people like to just demand antibiotics for everything. If that is you (not saying it is), then the private sector is perfect - when you get paid per prescription suddenly you find your patients needing a lot more drugs!
0
reply
LadyMcCartney4
Badges: 19
Rep:
?
#13
Report Thread starter 4 weeks ago
#13
(Original post by nexttime)
I mean, most people wouldn't even go to a doctor with just a fever. Very likely just a virus...

Some people like to just demand antibiotics for everything. If that is you (not saying it is), then the private sector is perfect - when you get paid per prescription suddenly you find your patients needing a lot more drugs!
A virus that doesn't go away? Ive had low grade fever for weeks and been feeling very ill since Thursday.
0
reply
X

Quick Reply

Attached files
Write a reply...
Reply
new posts
Back
to top
Latest
My Feed

See more of what you like on
The Student Room

You can personalise what you see on TSR. Tell us a little about yourself to get started.

Personalise

Would you turn to a teacher if you were being bullied?

Yes (60)
23.62%
No (194)
76.38%

Watched Threads

View All