Health insurance recommendations

Rob_benton · Post by **Rob_benton** » Sat Dec 31, 2016 5:18 pm

Hi

We've had health care through work for a number of years and now changing job to a company that doesn't offer health care so looking at private.

Originally with Axa now looking at Aviva and Vitality health.

Any opinions would be appreciated.

Thanks

Rob

buzyg · Post by **buzyg** » Sat Dec 31, 2016 5:42 pm

Never had any trouble, what soever, with the NHS.

(This could get interesting)

sticky · Post by **sticky** » Sat Dec 31, 2016 5:46 pm

buzyg wrote:Never had any trouble, what soever, with the NHS.

(This could get interesting)

Likewise, here and abroad

Rob_benton · Post by **Rob_benton** » Sat Dec 31, 2016 5:48 pm

I've got a feeling I'm going to regret starting this thread .........

buzyg · Post by **buzyg** » Sat Dec 31, 2016 5:53 pm

Rob_benton wrote:I've got a feeling I'm going to regret starting this thread .........

Just stay fit and healthy until your 90, you'll be fine.

Rob_benton · Post by **Rob_benton** » Sat Dec 31, 2016 5:58 pm

buzyg wrote:
Rob_benton wrote:I've got a feeling I'm going to regret starting this thread .........
Just stay fit and healthy until your 90, you'll be fine.

That would save me £2,000 a year !

pvr · Post by **pvr** » Sat Dec 31, 2016 6:01 pm

I have Aviva, and had them for about 10 years now. Price is the best around and service has been good, it includes dental as well including routine so I don't know how they do that as that is a fixed claim every 6 months.

NHS is fine for emergency, but does not offer decent cancer care which is the primary reason for having the private insurance. They did ok on my appendix operation, but unfortunately I am still suffering from the delay that the NHS caused on finally getting the operation after the appendix had burst (after 10 hours waiting in the hospital). Unfortunately, it will not be performed privately as that would have been much better.

I also don't fancy waiting months on end for any potential serious condition to see a specialist.

Vitality health is decent as well, but the excess is more and the cover less.

sticky · Post by **sticky** » Sat Dec 31, 2016 6:15 pm

Rob_benton wrote:I've got a feeling I'm going to regret starting this thread .........

I wonder why,

TitanTim · Post by **TitanTim** » Sat Dec 31, 2016 6:25 pm

I doubt there will be any NHS left when I'm 90. In fact I'm terrified if there is in being left in a corridor for days on end drinking out of a flower pot.

Tim.

Rich61 · Post by **Rich61** » Sat Dec 31, 2016 7:03 pm

I use health on line which is actually Aviva. Generally keep healthy and run 10k's but want the piece of mind. You can mix and match what cover you want and for me and wife late 50s around £150 pcm.

pvr · Post by **pvr** » Sat Dec 31, 2016 7:10 pm

Exactly my reasoning. Don't want to be part of the post code lottery on whether medication will be paid for or not.

Dav the wheel nut · Post by **Dav the wheel nut** » Sat Dec 31, 2016 7:32 pm

buzyg wrote:
Rob_benton wrote:I've got a feeling I'm going to regret starting this thread .........
Just stay fit and healthy until your 90, you'll be fine.

extrablatt · Post by **extrablatt** » Tue Jan 03, 2017 8:06 pm

I have had a personal plan through Vitality for the past three years and can't recommend them enough. Luckily I've not had to make any claims but I have used their Vitality member rewards extensively. They focus on wellness so you earn points for doing things like exercising with a heart rate monitor, doing Parkruns and step goals.

A one hour workout at 70% of your max heart rate is worth a free cinema ticket at Vue or Cineworld (worth around £10 or so) and so I have been enjoying a free trip to the cinema every week.

You can also get free drink each week at Starbucks if you enjoy that sort of thing.

Travel wise you get up to 40% off bikes at Evans Cycles, up to 40% off European flights on BA and discounts on Eurostar and Mr and Mrs Smith hotels. Last summer I bought a top of the range Scott MTB through the scheme and got £500 off

And to help you track workouts you get discounts on fitness devices such as Garmin, Polar and Apple Watch. The Apple Watch is the newest reward where you pay from £69 upfront and then pay between £0-£12.50 per month depending on how many activity points you earn.

I've found it good value as long as you think the Vitality rewards are the kind of things you'd generally enjoy.

Rob_benton · Post by **Rob_benton** » Tue Jan 03, 2017 8:16 pm

extrablatt wrote:I have had a personal plan through Vitality for the past three years and can't recommend them enough. Luckily I've not had to make any claims but I have used their Vitality member rewards extensively. They focus on wellness so you earn points for doing things like exercising with a heart rate monitor, doing Parkruns and step goals.

A one hour workout at 70% of your max heart rate is worth a free cinema ticket at Vue or Cineworld (worth around £10 or so) and so I have been enjoying a free trip to the cinema every week.

You can also get free drink each week at Starbucks if you enjoy that sort of thing.

Travel wise you get up to 40% off bikes at Evans Cycles, up to 40% off European flights on BA and discounts on Eurostar and Mr and Mrs Smith hotels. Last summer I bought a top of the range Scott MTB through the scheme and got £500 off

And to help you track workouts you get discounts on fitness devices such as Garmin, Polar and Apple Watch. The Apple Watch is the newest reward where you pay from £69 upfront and then pay between £0-£12.50 per month depending on how many activity points you earn.

I've found it good value as long as you think the Vitality rewards are the kind of things you'd generally enjoy.

Thanks for the info. Vitality is one I'm looking at. The concern I have is they have a lot of paperwork to go through for a claim and negative reviews. But I know most reviewer are the negative ones.

pvr · Post by **pvr** » Tue Jan 03, 2017 8:46 pm

When it comes to claims they are generally difficult. A follow up scan after an operation for my wife was not covered as the scan was not an emergency but an elected procedure. How you can deny that is beyond me though.

You need to play the game by stating you have pain and therefore need the scan. Lesson learned for the future.

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