[Misc] Health cover

[DJ NOBO]

Perhaps it’s a 40s thing but I’m becoming more aware of my max my family’s health, and in turn insurance cover.

I wondered what, if any, health cover you NSC sages had, and recommendations, what you’d do in hindsight. Dental plan or dental insurance? (Can’t get NHS treatment anytime soon)? Critical cover and/or general health? Do insurers find a way to shell out anyway, if you get seriously ill?

Money is obviously a factor, but as my grandad used to say there’s nothing more important that your health. Have you made health cover a top priority?

 

[dazzer6666]

Perhaps it’s a 40s thing but I’m becoming more aware of my max my family’s health, and in turn insurance cover.

I wondered what, if any, health cover you NSC sages had, and recommendations, what you’d do in hindsight. Dental plan or dental insurance? (Can’t get NHS treatment anytime soon)? Critical cover and/or general health? Do insurers find a way to shell out anyway, if you get seriously ill?

Money is obviously a factor, but as my grandad used to say there’s nothing more important that your health. Have you made health cover a top priority?

Wrestling with this a bit myself. Always had excellent health cover through work, but obviously since retiring we don’t have any……..used it a few times over the years but luckily nothing hugely serious (mostly scans and physio on my running injuries ). Have gone private for a couple of things in the last couple of years due to a) wait lists and b) wanting to use a particular specialist (Mrs D has had a few eye issues) but have come to the conclusion for now at least that its probably better to pay for treatment privately as and when needed because the premiums for decent insurance are eye-watering (my company scheme quoted £600/month for me to stay in it after I left - and that’s with both of us having no health concern, non-smokers etc).

 

[Springal]

Been fortunate to always have private health through work and it’s been a blessing when I’ve really needed it compared to the NHS. Even more so recently, 2 weeks for an op compared to 12 months on the NHS.

Most dentists offer some kind of plan as well.

Exeter health insurance & cash plan have always been a breeze - for dental reimbursed within a week.

BUPA for health have always been spot on

 

[Thunder Bolt]

I used to pay into a hospital fund through work, which then got taken over, and then over again until it became Simply Health. The payments went up and up but payouts stayed static. I decided to put the £23 a month into a little savings account to pay for dental checkups etc (NHS) and glasses. I am getting a small amount of interest in the savings which don't seem to be going down much.

 

[Uncle Spielberg]

I can offer advice on this if anyone wants to PM me