Private Health insurance changing providers

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Hi 

I appreciate this is a bit of a long shot but here goes…

I am retiring at the end of July (yay) however this means I lose my private healthcare insurance (boo) I have just had a quote from BUPA to switch to a personal policy that came out at £11,337 (ouch). Does anyone know of any companies that will maintain continuing cover at a slightly more realistic sum. I expected it to be expensive but not that expensive. My bc was 2 years ago and I am now on annual checkups. My consultant is out of my nhs trust area and I really want to stay with him.

As a follow up question - would you pay the premium if you had the money for peace of mind or take your chances on the nhs

Thanks in advance

Alison

  • I just had my treatment through BUPA , op through to radiotherapy, including scans annd oncology appointments and it didn’t cost as much as the quoted annual premium ! 
    My consultant was the one that diagnosed me on NHS . 

  • That’s interesting to know as I am also considering self funding. Thank you

  • I lost private health insurance when I retired as I didn’t want to take up what seemed like a very expensive quote (this was long before BC). I happily paid privately for a hip replacement to reduce waiting time and get the surgeon I wanted. i have found the NHS excellent for breast care and based on the list prices of some of the treatments I have had, would not be wanting to do that pay as I go. 

  • Retired last year and had to go hunting for a personal healthcare policy after losing my company plan. The sticker shock from some of the quotes was real, especially considering I’m not dealing with anything urgent right now but still wanted access to consultants I trust. I did end up switching to a more affordable private plan, but it took some serious research and asking around. Personally, if I had the funds and peace of mind was worth it, I might still go private, but only if the policy made sense long-term, not just premium-wise.

    I ended up reviewing quite a few providers, and actually found this helpful review on premierpmi.co.uk/.../ comparing The Exeter health insurance with others. It gave me a better idea of what flexibility different insurers offer, especially for post-treatment situations like yours.