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Private medical insurance

(164 Posts)
Bea65 Sat 07-Aug-21 12:36:26

With referrals and waiting lists at an all time high...should we all consider taking out medical insurance? Am always on a budget/working 21 hrs a wk but thinking long term due to new health setback..

Peasblossom Sun 08-Aug-21 20:52:45

Don’t you feel a little bit uneasy at allowing it to continue when you have proof that could put a stop to it?

An accessory after the fact?

Antonia Sun 08-Aug-21 20:53:10

Google seemed to suggest this could mean travelling distances to major cities where centres of equipment are situated rather than in smaller hospitals.
But I don’t know how accurate that is

I can only relate my neighbour's experience in France. Her husband had leukaemia. The nearest hospital was in Carcassonne, about forty minutes away. But, he was treated at Purpan hospital in Toulouse. The transport was included, and his wife had a room when she wanted it.

When he was at home, a nurse came to give him his daily injections.

Happily, he is now fully recovered.

Peasblossom Sun 08-Aug-21 20:55:30

When my husband had leukaemia we had to travel to a specialist hospital in the UK. Fair enough. You can’t have that sort of specialist knowledge and treatment everywhere.

Antonia Sun 08-Aug-21 21:13:27

When my husband had leukaemia we had to travel to a specialist hospital in the UK. Fair enough. You can’t have that sort of specialist knowledge and treatment everywhere
That's true Peasblossom. I'm sorry to hear that your husband was ill.

M0nica Sun 08-Aug-21 21:14:10

Callistemon People obviously are having inpatient treatment, otherwise these hospitals wouldn't need beds. I also think that there has been a rise in people having surgery privately since COVID, as the wait for hip, knee and other operations slips into years, rather than months, but while most of the people I know using private health facilties for consultations and even treatment for continuing conditions, all these are either outpatient or day surgery. Very few are inpatients.

Chewbacca Sun 08-Aug-21 21:17:00

No I am not- anyone who is in the NHS at a certain level knows this is so common and the list would be enormous

From this statement, I'm deducing that you personally know someone at a certain level in the NHS who is "bent" kali2? If that's the case, you have a moral obligation to report them to the GMC and provide them with your personal inside information. Not doing so is shirking your responsibilities as a British tax payer and you're aiding and abetting illegal practices. There seems little point in you bemoaning the inadequacies of the NHS funding when you know that those funds are being misappropriated by medics at a certain level and you're doing nothing about it. I'm surprised at you.

M0nica Sun 08-Aug-21 21:27:25

We have had a holiday home in France for 30 years and thankfully, our experience of local medical facilities is limited.

We took our DGD to the nearest A&E, 15 miles away in the biggest town, a departmental capital, when she had a sudden allergic reaction to just holdinga tomato and were very impressed with the speed with which she was seen. All child A&E admissions were seen in the paediatric dept. She was throughly examined and given a prescription. A few months later we got a bill for 8 euros.

DH also went there when he went down with a severe respiratory complaint. Again we were impressed by the speed with which he was seen. After half an hour wait in an ordinary waiting room he was triaged and at that point taken to another waiting room where he was placed in a reclining armchair to continue his wait for treatment, we couldn't stay wih him, but returned an hour later to find him in a proper bed in a windowed room being seen by doctors, who later discharged him with a prescription for antibiotics, for which we paid. The bill we got for this was 32 euros.

However, many of the problems with medical services are common to both countries, rising demand for more expensive treatments, cost cutting and hospital closures. Our nearest hospital is only 10 miles away, in a medium sized town, it lost its A&E some years ago, despite local attempts to stop it and since then has lost other services. It is constantly under threat and I think will be closed at sometime in the not too distant future.

Kali2 Sun 08-Aug-21 21:46:31

Chewbacca- I am not talking about 1 or 2 in one place. It is just part and parcel of the current system.

M0nica Sun 08-Aug-21 21:49:55

Kali2, so please provide us with the evidence. Examples of it happening and evidence it is endemic.

kittylester Sun 08-Aug-21 21:56:35

Before DH retired we mixed in medical circles, as some of you will know, and still have medics as friends. None of the ones we know/knew did that sort of thing.

MawBe Sun 08-Aug-21 22:12:09

Chewbacca

^No I am not- anyone who is in the NHS at a certain level knows this is so common and the list^ would be enormous

From this statement, I'm deducing that you personally know someone at a certain level in the NHS who is "bent" kali2? If that's the case, you have a moral obligation to report them to the GMC and provide them with your personal inside information. Not doing so is shirking your responsibilities as a British tax payer and you're aiding and abetting illegal practices. There seems little point in you bemoaning the inadequacies of the NHS funding when you know that those funds are being misappropriated by medics at a certain level and you're doing nothing about it. I'm surprised at you.

Turning a blind eye to a known abuse makes you complicit Kali2- not something I would want or be proud of.

halfpint1 Sun 08-Aug-21 22:15:27

crazyH

Bea65, the premiums will be sky high ….especially with your recent health setback…..
Our NHS is the envy of the world. I do agree that waiting lists for routine operations are quite long , but if there’s an acute situation, you are in the right country, in the right hands….

I don't think any one in France. Would envy the long waiting lists or the terrible state of some hospitals in England.i had to take my mother into Portsmouth's emergency, it felt like a third world set up.
Healthcare can be free here if you are a low wage earner and the service is excellent. During the confinement I had to see my doctor, got an appointment next day in person, we both wore a mask,service normal.

Callistemon Sun 08-Aug-21 22:19:42

Chewbacca

^No I am not- anyone who is in the NHS at a certain level knows this is so common and the list^ would be enormous

From this statement, I'm deducing that you personally know someone at a certain level in the NHS who is "bent" kali2? If that's the case, you have a moral obligation to report them to the GMC and provide them with your personal inside information. Not doing so is shirking your responsibilities as a British tax payer and you're aiding and abetting illegal practices. There seems little point in you bemoaning the inadequacies of the NHS funding when you know that those funds are being misappropriated by medics at a certain level and you're doing nothing about it. I'm surprised at you.

I am shocked.

I knew the NHS was being defrauded by some outside contractors as cases have been reported on the news but the thought that the excellent NHS consultants from whom we have received treatment are guilty of this type of fraud, ie receiving NHS salaries when actually not fulfilling their contracted hours is quite shocking.

If you have proof I, too, think you should report this, Kali2. I really thought that their ethics would be above this.

Callistemon Sun 08-Aug-21 22:21:14

Kali2

Chewbacca- I am not talking about 1 or 2 in one place. It is just part and parcel of the current system.

This is shocking. It needs to be reported.

Chewbacca Sun 08-Aug-21 22:24:31

Chewbacca- I am not talking about 1 or 2 in one place. It is just part and parcel of the current system

That's a no then. You continue to make these allegations about NHS staff, despite the fact that they've worked tirelessly throughout this pandemic and you're still unable to provide any credible evidence. If a member of your family had worked as hard as 99.99% of NHS staff this last 18 months, you'd be outraged that some random person in a chat room was making such allegations without anything to back it up. Shame on you.

Callistemon Sun 08-Aug-21 22:26:10

You could contact the Daily Mail, they'll be on to it in a flash.

Phone: +44 20 7938 6000

Callistemon Sun 08-Aug-21 22:27:10

Sorry, that information was for Kali2

EdithW Sun 08-Aug-21 22:47:21

Front page of the i tomorrow. No surprise.

Callistemon Sun 08-Aug-21 22:49:05

Quite a different story.

Kalu Sun 08-Aug-21 23:38:58

Callistemon

Kali2

Chewbacca- I am not talking about 1 or 2 in one place. It is just part and parcel of the current system.

This is shocking. It needs to be reported.

You are certainly not talking about members of my family kali two of whom are consultants working tirelessly for the NHS.

As you have not produced proof of what you state to be part and parcel of the current system I can only take it that this is some fantasy in your head, for sure!

mokryna Mon 09-Aug-21 00:20:53

Peasblossom. My friend doesn’t pay a penny, it’s the state which pays, no charity.

Another friend would like to return to England but is held back because of the health treatment is better here.

The health system works on the idea of prevention, therefore patients are given physiotherapy, scans, x-rays, etc. as soon as possible, as well as seeing specialists, to avoid, where possible, the illness becoming more serious.

Aveline Mon 09-Aug-21 06:45:14

Mokryna that sounds so much better than NHS. I think we've become a bit brainwashed about its current state. There are other, potentially better ways, to run a health service than our current way.

mokryna Mon 09-Aug-21 07:28:20

The French system has lots of failings also, for example there are doctor deserts however, I do feel it is better where I am near Paris, at the moment, than the NHS.

Peasblossom Mon 09-Aug-21 09:47:54

Yes, thanks mokryna. I spend an interesting half hour looking up the French system, especially as it’s so highly rated by the WHO.

Translating it to the UK it would mean someone on the basic State Pension wouldn’t have to pay for their health care.
You always get the problem of those just over the limit who end up worse off, but that’s true of all sorts of benefits and nobody’s found the answer to that one?

I was having a bit of a duvet day so I was interested to do a bit of exploring of other countries systems?

trisher Mon 09-Aug-21 10:27:21

I do wonder when surgeons use private hospitals to do NHS patient operations how anyone can be certain when they are doing private work. It may look as if they are because they are in a private hospital but the patient may be NHS.

I had friends who had hip replacements about the same time, one went private because the waiting list in her area was so long, the other was done on the NHS. Both done in same hospital by same surgeon. The only differenc was the cost.