Private Medical insurance

[Normal Rob]

Hi Guys - can anybody tell me if this is a good deal or not. My employer is offering Private medical insurance at annual costs of

Me only: free (automatic)
me plus wife: £488
family cover: £732

Things are pretty tight for us but i know that PMI is a valuable thing to have. Would I be a fool to say no to the Family cover at that price?

 

[Bevendean Hillbilly]

It all depends what level of cover you are getting.

I have PMI for me through work and limited cover for dependents but it did'nt cover things like physio for them unless you beefed it up.

 

[hans kraay fan club]

Ask your wife if she plans to be sick at all, over the next year.

 

[Normal Rob]

It all depends what level of cover you are getting.

I have PMI for me through work and limited cover for dependents but it did'nt cover things like physio for them unless you beefed it up.

seems to be covered...

What is covered - summary
Benefit limits shown below apply per person per policy year and all treatment must be on referral by a Specialist (see Definitions
in the Policy Wording under Specialist) unless otherwise stated.
A. In-patient or day-patient treatment
of acute conditions of brief duration at
any hospital on the Extended Hospital
List that we recognise for your condition
and treatment
Hospital accommodation charges
Prescribed medicines, drugs and dressings
Operating theatre fees
Nursing care including intensive/high dependency care
Specialists’ fees including surgeons’, anaesthetists’ and
physicians’ fees (subject to Aviva’s fee guidelines for
specialists)
Charges for diagnostic tests, for example X-rays, CT, MRI
and PET scans, blood tests and ECGs
Radiotherapy and chemotherapy
Treatment for back pain and neck pain (see Back-Up Guide)

B. Out-patient treatment of
Acute Conditions of brief
duration
Specialists’ fees for consultations (any procedures included
are subject to Aviva’s fee guidelines for specialists)
Charges for diagnostic tests, for example X-rays, blood tests
and ECGs. Out-patient CT, MRI and PET scans will only be
covered at a diagnostic centre recognised by us
Radiotherapy and chemotherapy
Treatment for back pain and neck pain (see Back-Up Guide)
Physiotherapy, osteopathy, acupuncture and chiropractic
treatment (if directly referred by your GP, this is limited to
10 sessions in combined total per condition)

 

[seagull77]

i pay about 400 quid a year through work for family cover and it's repaid itself may times over - any referrals and you get seen pretty much immediately at goring hall hospital which have been fantastic so far

 

[The Oldman]

Looks a good price. Missus and I pay £250 per Month but we are in our 60's. It's been a real help recently as we both have needed surgery in the past two years and getting quick access and the private facilties has been great, plus we have not clogged up the NHS.

 

[Harley S]

Used to have free family health cover through my last employer.

When I was made redundant in January, it cost £140 a month or £1680 pa for me & the missus to continue without a break ( if it was a "new" plan, previous medical history would not be covered ! )

So it looks good value at £400 a year for a spouse !

 

[Gazwag]

Mines is about £1000 pa for me and daughter and work pay half so your deal looks ok