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Private Medical Insurance


celb
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I am looking to set up a private health insurance plan for my DD. The premiums are widely variable. Does anyone have any recommendations regarding those which are particularly good at providing comprehensive cover important to young dancers ...ie musculoskeletal cover- scans physiotherapy etc, ... or any cautionary tales?

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My DD is not at Vocational School and had had a couple of bouts of achilles tendonitis before her overpronation was spotted and she was fitted with orthotics. We looked at setting her up with BUPA when I took redundancy and our healthcare ceased. Although one of their options was very good (covered scans, physio etc.) for the price, because I was honest and told them about her treatment for tendonitis, they said the new policy wouldn't cover anything to do with her feet!

 

Seemed a bit useless for a dancer so we didn't bother. :-). But it seemed a reasonable policy if no other treatment has been required in the past. Think they wanted about £22 per month.

 

Edited to remove a word!

Edited by spannerandpony
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Thank you -interested in your comments finallygotthere as the reason I was looking is the school plan is so expensive £220/term compared to top of the range quotes from other companies costing about £17/month ~ 1/3 of the price - but of course I am anxious to make sure there is enough appropriate physio/scan/consultation coverage. I would hate to opt out then discover she wasn't covered for what she needs.

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Thanks that's the kind of info I'm trying to compare - the scheme I'm looking at allows 10 sessions of physio then unlimited if sanctioned by a specialist - also has £100 deductible on first referral

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  • 3 weeks later...

If you are a military family, Bupa offer a massive discount. I found Bupa to be very good. There was never any question of them paying for any treatment my dd required. They were also very helpful in guiding us to Bupa registered practitioners.

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  • 2 months later...

I am sure this has been asked before but I can only find a very old thread . Would any parents whose children are in 6th form with dada awards advise what medical insurance they have organised. The schools insurance is nearly 300 a term , would it be better to organise this privately ? Lil

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The best bet is to shop around and see what difference insurers cover. In our case we were covered by my husbands health insurance,PPI (one of the very few perks of his job) and this was accepted as completely adequate by the schools my DS attended.

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Thanks c4d- look forward to hearing from you . I have looked at some of the policies suggested by private MSG but noticed that in the exclusions , it says treatment incurred as a result of sport for which your child receives monetary reimbursement including grants ! Lil

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I specifically asked our insurers re this prior to taking out health insurance for my DD - they did not consider dancing even fulltime training with a grant a sport so dancers are covered not excluded.

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  • 8 months later...

A cautionary tale for those considering opting out of school health insurance schemes.Just thought I would provide an update.I took out a comprehensive private medical insurance policy with AXA PPP for my DD last year in March having first obsessively checked that all the physiotherapists ( including her vocational school physios) and orthopaedic consultants that I would envisage using were covered as providers with AXA.When I went to arrange physiotherapy treatment for an injury in November I discovered that the school physios were no longer AXA providers ( as of October).I am left in the position of paying privately for my DD's physiotherapy at school so she can continue to receive excellent and timely on site care or arranging for her to have off site treatment which is logistically difficult and time wasting.I cannot at this stage opt in to the school scheme or another private insurance company as her injury would be considered preexisting by a new insurer.

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Central School of Ballet will only allow its students to be insured with BUPA, even though our daughter is on a family insurance with pru-health. So check what the policy of the school is before doing anything.

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  • 2 months later...

I started a thread on this topic last year - maybe one of the moderators can resurrect it.In short I opted out of the school BUPA scheme and took out a much cheaper comprehensive policy having checked that the school physios were covered by it only for the school physios to drop out of providing cover using this scheme 6 months later just when we needed it.Speaking from the Physio perspective the school physios rate Aviva and Simply Health but I have no personal experience of either.

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