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Health Insurance for dance students


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Hi does anyone have experience of health insurance schemes that are suitable for dance students in full time training? I am thinking in particular of being able to quickly access specialist physiotherapy services. Thanks for any advice.

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My dd has always been covered by Bupa and it has been invaluable. It's not that physio sessions or other treatments are limited to a certain number, but there are £ limits on the various categories of treatments and there is usually an upfront excess. 

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1 hour ago, sarahw said:

Glad to hear that Angel.

Hammond physios missed the problem but to be fair, so did the ankle specialist in Chester.  I found a top surgeon who diagnosed the problem immediately.  BUPA paid for it all, operation and all of the follow up treatment.   We did run out of physio allowance in the end.  A new school year meant it started from scratch.

 

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Is this for a dancer in lower school or for post 16 training?

 

For our DD (aged 16-19) it was about 1/3 of the cost to do our own research and select our own health insurance to cover DD and her dance training. You do need to be prepared to phone around and discuss what you want . We had AXA PPP for 2 years - a basic policy that you then add or remove option blocks to tailor it to requirements (hence the phone calls) - we added the 'physio option block'. We had a claim on that policy and found them quick and efficient. When DD reached 18 the monthly premium rocketed and dh phoned round again and this time went with Aviva. You obviously need to do your research to see what the school policy offers and what insurance the school's or closest physios will accept.

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Thank you everyone for your advice. Dd has been covered by her dad's health care policy but his scheme recently transferred to BUPA and our preferred dance physio won't work with them. I will try shopping around.

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I recently added my DD back onto the school BUPA scheme in place of AXA-PPP as 2 of my favoured physio providers no longer accept AXA - this is due to AXA-PPPs poor reimbursement of physios . Having said that if DD was referred by a consultant she was able to have unlimited physio on her AXA - PPP policy.

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I found it way cheaper (around £27 a month extra I think plus next sibling was then free) to add kids to my own Aviva healthcare policy. It can be tailor made but as with most there are limits on amounts paid out. School BUPA was more + I think there are excesses etc 

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I have Westfield though work and it covers my dd for physio and other therapy treatments.  There is a limit on how much you can claim in a period of time but they have a number of packages and I think even the highest one's were less than £30 per month.  That cover's both me and my daughter and they cover hospital stays, theraphy and the usual optical and dental.  Plus side - you complete the form on line and the money is back in your account within 48 hours, on the other hand you have to pay the bill in the first place.  Worth a look though.

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  • 11 months later...
On 03/05/2017 at 15:10, orchidblue said:

We have used both Aviva & AXA for DD, both with extra physio included (one which transferred to chiropractor sessions when physio was ineffective). Both providers have been great.

Just picking up on this thread from last year, 

 

Can anyone offer up-to-date information on providers/policies for DC at US.

 

What should I be looking at in the small print and what to look out for (sneaky exclusions). Is there a specific name given to these policies as they are for the older teens and separate from their parents.

 

Most policies I've seen appear to be rather OTT as they are more adult focused and cover nearly every diagnosis contained within a medical dictionary. With a price to match!

 

Thank you

 

 

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On 5/3/2017 at 08:26, Huddsballetmum said:

I have Westfield though work and it covers my dd for physio and other therapy treatments.  There is a limit on how much you can claim in a period of time but they have a number of packages and I think even the highest one's were less than £30 per month.  That cover's both me and my daughter and they cover hospital stays, theraphy and the usual optical and dental.  Plus side - you complete the form on line and the money is back in your account within 48 hours, on the other hand you have to pay the bill in the first place.  Worth a look though.

Westfield ( and Sovereign and LHF )  are not  Health insurance  though  they are  the  successors to the pre 1948 hospital funds .... 

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I have just taken out health insurance for my dd,I pay £18,fully comp any hospital, I could of payed £12 for a basic policy ,but choose the other,as no excess, but having said that I have not had to use it yet.

But what I do no is I recently had to pay a private physio for my dd for six months, and still this was much cheaper than her dance fees,and the lady was nicer.

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7 hours ago, stardancer said:

I have just taken out health insurance for my dd,I pay £18,fully comp any hospital, I could of payed £12 for a basic policy ,but choose the other,as no excess, but having said that I have not had to use it yet.

But what I do no is I recently had to pay a private physio for my dd for six months, and still this was much cheaper than her dance fees,and the lady was nicer.

Who is this with @stardancer? Does this cover include physio? 

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9 hours ago, stardancer said:

I have just taken out health insurance for my dd,I pay £18,fully comp any hospital, I could of payed £12 for a basic policy ,but choose the other,as no excess, but having said that I have not had to use it yet.

But what I do no is I recently had to pay a private physio for my dd for six months, and still this was much cheaper than her dance fees,and the lady was nicer.

That’s interesting. Which company is that? Also was your decision to take out insu after having to pay the physio or was it because it wasn’t incl? If you don’t mind me asking. I can see physio being the most obvious care our DC would need. 

Thank you. 

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Whilst physio is usually the most obvious treatment which may be needed on private health insurance, I would urge making sure that there is ample cover for other stuff, such as scans, consultant appointments, surgery etc, as you really do never know when you need it.  Bear in mind that a consultant appointment, plus mri, bloods and consultant follow up at a London clinic, will be in the region of at least £1k upwards. 

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1 hour ago, Moneypenny said:

Whilst physio is usually the most obvious treatment which may be needed on private health insurance, I would urge making sure that there is ample cover for other stuff, such as scans, consultant appointments, surgery etc, as you really do never know when you need it.  Bear in mind that a consultant appointment, plus mri, bloods and consultant follow up at a London clinic, will be in the region of at least £1k upwards. 

Thank you. Are there any insurance  companies that parents would recommend? 

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Is your DD still under 18 balletbean? We found that for an under 18 my husband held the policy in his name but the only person covered on it was DD. My advice from the thread Jan Links to higher up this thread still stands. We found that you needed to phone the insurance companies and discuss requirements for our DD. My husband found the insurance companies very helpful - after all they want your business. We had AXA for 2 years (including a claim for physio treatment) and Aviva for her final year - prices jump once they are 18.

 

Edited to add - its always wize to check which physio the school uses or locations of any physio practices near the school and check that they and an insurance company you are looking at will deal with each other.

Edited by 2dancersmum
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1 hour ago, 2dancersmum said:

Is your DD still under 18 balletbean? We found that for an under 18 my husband held the policy in his name but the only person covered on it was DD. My advice from the thread Jan Links to higher up this thread still stands. We found that you needed to phone the insurance companies and discuss requirements for our DD. My husband found the insurance companies very helpful - after all they want your business. We had AXA for 2 years (including a claim for physio treatment) and Aviva for her final year - prices jump once they are 18.

 

Edited to add - its always wize to check which physio the school uses or locations of any physio practices near the school and check that they and an insurance company you are looking at will deal with each other.

Thank you. She will be 16 but only just when she starts US. I believed that as long as they are still amateur (ie in training) then age shouldn’t be an issue. Even when they turn19 in their last yr. Unless something has happened recently.

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We have a policy with WPA and it was cheaper to add dd to this than to take up the 6th form offer from school. We were able to specify what we wanted to be included and it was priced accordingly. 

When dd was at lower school, BUPA cover was included with MDS and we found them extremely helpful when we needed to claim on several occasions. 

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Hi balletbean

My insurance is with avia health solutions, physio is unlimited, and every think else but my dd only has 500 a year for consultation fees,this is ok for us as I have just recently payed £300 for An orthopaedic surgeon, and I realised if I went over I would find the extra amount, as the operation is 12.000 ,and that would be covered with scans aswell.

I hope this helps, please take out health insurance for your dd,as that will always be my regret that I did not do it sooner, for my dd,although after a traumatic year,we are lucky she is being funded privately,operation date booked,9th may

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1 hour ago, Karen said:

We have a policy with WPA and it was cheaper to add dd to this than to take up the 6th form offer from school. We were able to specify what we wanted to be included and it was priced accordingly. 

When dd was at lower school, BUPA cover was included with MDS and we found them extremely helpful when we needed to claim on several occasions. 

 

We found BUPA very good too but we gave up with the new company & will be cancelling the policy 

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On 4/14/2018 at 23:51, Nicola H said:

Westfield ( and Sovereign and LHF )  are not  Health insurance  though  they are  the  successors to the pre 1948 hospital funds .... 

Thank you for your comment, but at what point in my comment did I state that Westfield was health insurance? 

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On 15/04/2018 at 22:45, stardancer said:

Hi balletbean

My insurance is with avia health solutions, physio is unlimited, and every think else but my dd only has 500 a year for consultation fees,this is ok for us as I have just recently payed £300 for An orthopaedic surgeon, and I realised if I went over I would find the extra amount, as the operation is 12.000 ,and that would be covered with scans aswell.

I hope this helps, please take out health insurance for your dd,as that will always be my regret that I did not do it sooner, for my dd,although after a traumatic year,we are lucky she is being funded privately,operation date booked,9th may

Thank you. Apologises for slow response. I forgot to ‘follow’ post and wasn’t notified of your post. Insurance is top of my to do list. Along with English bank account and mobile phone......    the list seems endless. 

 

I do hope all goes well on May 9th and the recovery goes smoothly. 

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