iamchosenone

Im with Pru Health. Not sure what it's like as never had to use it thankfully. Not sure of the cost either as work pay for it. What a helpful post.

retired_srini_aug1

Ive been thinking of getting dental insurance, but will the fact i havent been to a dentist for 3 years count against me in some way?

mlmc

Pru Health are offering some sort of free gym membership scheme if you sign up with them at the moment.

Might be worth considering. Here's the link

retired_g_stull

Sounds like a cashplan. I used to work for one of them for about 9 years so am more than familiar with the market. You pay a certain amount every week, which allows you to then claim back expenses for things like glasses, dental, physio, plus cash payments for being in an NHS hospital. Each has a maximum payout cap per year.

Generally, if you have a family with kids and all have regular dental work and glasses, then it's probably a good idea. Otherwise, the money you'd save by not paying the premiums would most probably pay for the treatment you need. If you were using the maximum for dental, optical and one other then it'll be definitely worth your while.

Google the main players - HSA, Bupa, Axa, HSF. They're all much of a muchness.

Also, there is Denplan which is a standalone dental plan. Some of the above companies offer similar deals, which can be very worthwhile if you plan to have a course of treatment.

Hope this helps :thup:

retired_hvporter

Quanta costa?

retired_fabricodalacosta

Cheers, Tim. :thup: That's exactly what it is. Was hoping to discuss it with the Mrs before the lad comes back, but she's not back in from work yet. :-/

Thing is - I'm going to have to sort myself out with a dentist as I haven't been in years, and also having to wear glasses might have to happen in the not too distant future. Guess that's why such a plan would come in handy.

retired_g_stull

If you're going to max out on Dental and Optical then you probably won't lose money, so it can be seen as a good way of budgeting for those expenses. Premiums are usually geared to roughly equal around the same benefits for opt/den on a yearly basis than you pay out, so if you use one more, you'll be laughing.

The main thing is; remember to cancel when you stop using it. You can always rejoin, or join a competitor. These companies make money from it slowly dripping cash from your account on a weekly basis, banking on you not using it for a few years. Sure, you won't miss £4 a week, but if you multiply that by 250,000 policyholders and it's lots of profit.

michaelwoodcock

With BUPA, whole family is. Never had much cause to use it though. Only major injury was my knee and Utd took care of all the bills concerning that. My Dad makes use of it a fair bit though, his eyesight is fairly horrendous.

retired_brose

i would definatly recomend private healthcare going on the experiences recently of my aunt.

She was diagnosed with breast cancer 3 weeks ago, within 4 days of seeing the doctor she was in hospital having a masectamy(sp) by the end of the first week she was back at home. By the end of the second week she had had 2 check up appointments after the operation and various scans and tests. She has allready started kematherapy (or however its spelt) and was told a few days ago that the cancer hadnt spread.
Im pretty sure if she was on the NHS she wouldnt have even had the operation by now.
Plus the food is really nice in a private hospital :thup:
I think my aunt is on BUPA - not 100% sure though