Not a technical question but I'm wanting to organise private healthcare for me and family and other member of staff. Obviously a taxable bik so that's ok. But what do you prefer? Bupa? Any other?
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Broker
I use a broker who gets me the best deal each year. I don't change provider every year, but generally every 4 or 5 years. This year premiums from BUPA increased by £150 a month but I am changing to Pruhealth paying about the same. My broker is Healthcare Partners, who are very good, but there are others
Devaluing the BUPA Brand
My family has been with BUPA over 40 years and now my wife and I are in our 60s. Only one other child on the policy in her 30s. Three of us. Our premium for 2015/16 is now £8,839 up 30% from 14/15 which was up 15% on the previous year!!
They explain that our group claims record this is the main reason for the increase but cannot explain why we didn’t receive discounts in the past when we didn’t claim.
The reality is that BUPA’s management and strategy has changed radically in the last few years using the goose (UK members’ subscriptions) to pay for their often costly expansions overseas. They also post comments on blogs saying it’s the greedy doctors whose rates they are keeping down but in my personal experience this is just spin. Would you expect to pay me the same fees as PwC? I have met a consultant whose work into a rare woman’s condition refuses to deal with BUPA because of their restrictions even though the NHS recognises her worth.
This strategy has resulted in membership numbers tumbling by over 20% recently while subscriptions have increased by the same percentage. I cannot understand why its management seems hell bent on destroying the BUPA brand.
AXA PPP
I use AXA PPP, who have very good prices and high levels of cover (unlimited and experimental cancer care). You can also add Dental and Opticians cover for very little cost and they pay back towards appointments, glasses, etc.
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I use the NHS and pay for private care once in a while, if there is a long queue or similiar.
Total private spend in the past 10 years is under £2k.
NHS will deal with you if you are really sick, its the outpatient stuff they are poor at. You can also pay for a private room in an NHS hospital so if you go in for something and want to get off the ward you can just pay up for a couple of days, they tend to keep you in longer too, so you get say 48 hours not 24. You just pay for the room, no additional care costs.