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Least bad private Health System ?!?

(60 Posts)
jura2 Sat 01-Jun-19 17:10:28

So hope we will soon have a Government who strongly believes in proper funding for the amazing and wonderful NHS. But would be interested in hearing about different insurance systems from around the world. We all know the USA is a total disaster.

Perhaps the Swiss system is the 'least bad'. Everyone has to have Health and Accident insurance, and there is a whole array of different insurance companies offering different packages. They all have different 'franchises' on offer- that means the minimum sum one has to pay before the insurance kicks in. If you are young and healthy, you can choose a high 'threshhold franchise' and if you have health conditions, a low one. Insurances have to take you on for basic insurance, whatever your health or pre-existing condition. And then they all offer a variety of 'top ups' for extra on top, choice of consultant or Hospital, private room, massage, etc. Problem being that if you want those extras, you have to declare all your medical conditions - and anyone older than 40- and certainly 60- is turned down, especially if they have had illness or accidents, etc, in the past. Our case, for instance.

OH has to have minor op in 2 weeks- 20 minutes, 2 days in hospital - the forecast bill 'CHF8000.-- so about £5000. As he was referred by the local hospital to specialist in different County- it won't be covered. Can you imagine the stress if you haven't got any savings???

jura2 Sun 02-Jun-19 22:13:36

kitty- many Leavers, and many in the Leave campaign. Like that dreadful campaign video for Vote Leave, with a 'mature' Lady who has a cold and is taken to Casualty ... remember that one, it was a really disgusting piece of racist campaigning. So many saying our NHS is over stretched by having to look after all those foreigners, etc. The DM too, constantly.

Urmstongran Sun 02-Jun-19 22:52:48

Stop trying to wind this up jura2 to fit your narrative.

You are so transparent now.
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Callistemon Sun 02-Jun-19 23:08:53

It's obvious that travel insurance will cost more for older people or anyone with a medical condition surely?

It is the same as someone having to pay a higher house insurance premium if they live in an area likely to flood.

Callistemon Sun 02-Jun-19 23:14:55

Redtop and others who live overseas - I think we are agreed that health care systems in many countries other than the UK cost quite a lot of money funded by private insurance and even a basic level of care has to be paid for somehow.

jura2 Mon 03-Jun-19 09:29:00

kitty- and I forgot, a section of the Press. Just seen a compilation of the Sun, DN, DE front pages - again and again demonising immigrants and make them responsible for lack of GP appointments, hospital beds, school places, etc, etc, etc.

Urmstongran- do you remember that Vote Leave Video - about an 'old' lady with a cold taken to Casualty (what a terrible example in the first place) ... with 2 scenarios- 1) a waiting room full of brown faces and a bad brown nurse - and 2) a miracle of white staff and an instant cure and return home in great health after a couple of hours? The narrative certainly did wind me up- as it was blatantly and openly racist, and so so wrong.

jura2 Mon 03-Jun-19 09:31:56

Dinahmo- checked the French system and you are right, top ups are not dependent on previous history and pre-exisiting conditions. That is brilliant, and so cheap too. Here in Switzerland basic insurance is about £450 per month per person, and top ups can cost a LOT more- and you still have to pay the initial threshold you have chosen, and 10% of everything up to 1000francs per year.

kittylester Mon 03-Jun-19 09:34:41

But no one on this thread Jura. That is just baiting people.

Lazigirl Mon 03-Jun-19 10:10:31

Independent bodies such as the Kings Fund always rate the NHS as one of the cheapest, and most efficient systems, considering fewer beds and staff, compared to other developed countries. Of course there is a discussion to be had about what new and expensive treatments should be available on a state funded system, but no government has been bold enough to tackle this. Planning is very short term and lasts from one election to another. Either we continue to have a state funded system and pay more through taxes, or pay much more through private insurance, which makes a profit for its shareholders.

Urmstongran Mon 03-Jun-19 10:14:56

No, I didn’t see it jura2

You often educate me. And others I expect.
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That said it’s good the video didn’t influence the way I voted!

Blinko Mon 03-Jun-19 11:03:15

My OH and I are in a system which acts as a back up, should the NHS process take rather longer than one might expect. So when I needed my gall bladder removed a couple of years ago, and the NHS had a waiting list, unable to give me a timeframe, we were able to get the job done within a couple of weeks.

So far, between us, we've had MRI scans, cataracts removed, and various other procedures all for a monthly payment of £10.25 each.

Few people seem to have come across it, or if they have, they may not be fully aware how it works.

For us, so far so good!

Callistemon Mon 03-Jun-19 11:34:53

It could be the same system that we pay into, Blinko, its scope is rather limited but it does speed up the process when NHS waiting lists are long for certain procedures.

Callistemon Mon 03-Jun-19 11:38:58

So the OP is really nothing to do with enquiring about good or bad health systems around the world then?
Or a chat about your DH and his forthcoming procedure, where some posters tried to help you jura.

It's just another thread damning leave voters.
(of which I am not one but believe everyone is entitled to an opinion.)

Callistemon Mon 03-Jun-19 11:39:29

ps I hope his procedure goes well and successfully.

Callistemon Mon 03-Jun-19 11:41:54

Perhaps the Swiss system is the 'least bad'.

So you believe in the part privatisation of the healthcare system in this country; that the NHS should work in conjunction with private insurers and providers?

A lot of people may disagree with you, but it might seem to be a practical solution to an over-burdened system.

trisher Mon 03-Jun-19 11:52:06

The NHS picks up all the people who need more expensive treatment than their private health insurer is willing to pay for. So as you get older unless you have. 100% gold plated insurance you are going to finish up fein treated in an NHS facility. It only takes a couple of hip replacements in most cases.

Urmstongran Mon 03-Jun-19 12:13:43

So .... “It's just another thread damning leave voters.”

I sussed it too a while back.
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Callistemon Mon 03-Jun-19 12:20:45

Then again, if some people get their hips, knees etc done under a private health insurance, that should ease the pressure on the NHS.
The father of Carwyn Jones, former Labour Welsh First Minister, had his hip operation done privately, I believe, because the waiting times in the Welsh NHS were far worse than those in England. Carwyn was very much against any privatisation of the NHS - but this was apparently 'more convenient'.

You're quicker on the uptake Urmstongran wink

Callistemon Mon 03-Jun-19 12:21:08

sorry, first part of post was to trisher!

jura2 Mon 03-Jun-19 12:29:15

NO Callistemon, I do not want a private system at all for the UK- but a properly funded and supported NHS. 100%.
Thought it was clear in my OP.

I am asking about different systems around the world which could be used as good models ... as it is clear many Conservatives and certainly Farage- working for Trump Ltd- have every intention of privatising the NHS. That was also confirmed by the USA Ambassador on the Marr show yesterday- a Trade Deal with the USA will include the NHS.

jura2 Mon 03-Jun-19 12:30:30

'Then again, if some people get their hips, knees etc done under a private health insurance, that should ease the pressure on the NHS.'

actually it does NOT- when you have a shortage of doctors, surgeons, nurses, beds, etc, etc.

Callistemon Mon 03-Jun-19 12:38:59

Well, forgive me if I became rather confused, jura, as I thought you were asking for suggestions about the future of the NHS in the UK and wondering which health systems around the world work well. I assumed that you were including the NHS amongst the comparison of worldwide systems, saying that: Perhaps the Swiss system is the 'least bad' therefore a model for the way forward here.

What about the German system? That appears to work well? There was a BBC programme about it a while ago:
www.bbc.co.uk/news/health-38899811

Redtop1 Mon 03-Jun-19 12:58:43

Callistemon I am back living in the UK now, moved back August 2017. It was amazingly sad the amount of UK trained doctors and nurses we had in Australia (I know this was due to issues within the NHS). Things have changed recently with regards to migration and there is now only a specialist skill requirement as home breed doctors and nurses were unable to get jobs after their training.

All 4 GP’s I had were from the UK, the last one had only been out there for 9 months and she said she would rather be back in the UK but the salary and family benefits/time were so much better in Australia.

jura2 Mon 03-Jun-19 13:21:22

Again- sorry if you got confused Callistemon- I think the NHS is by far the best system in the world.

But ... interesting to compare with other systems that work differently.

Callistemon Mon 03-Jun-19 13:53:34

Redtop1 I know, having spent a lot of time there myself.
Every other doctor or nurse and midwife we came across seemed to be British.
I know that the system changed here years ago and, when the doctors qualified, there were no places for them so many emigrated then.

jura2 Mon 03-Jun-19 14:03:11

.. and now they are emigrating for different reasons altogether.