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Health insurance recommendations

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Rob_benton

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

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.
 
extrablatt said:
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 :thumbsup:

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.
Click to expand...

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.
 
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.
 
Rob_benton said:
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.
Click to expand...

You're welcome. I used to have Vitality through an employer and found making a claim dead easy. They were really accommodating when I was changing jobs and needed to make a claim before my cover finished. I only paid for local (non-London hospitals) yet they let me see a surgeon at the rather exclusive Hospital of St John & Elizabeth when they couldn't get me into his other clinic in Reading before my coverage lapsed. (The lobby of that hospital was nicer than many hotels I've stayed in...)

I did go for moratorium underwriting so I couldn't make a claim on anything I'd previously received treatment for a period of two years. As my injuries were sport-related it wasn't an issue, but if someone has chronic conditions they may need to go for full underwriting but I believe it bars you from making any claims on pre-existing conditions.
 
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