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Private medical insurance

NAS74418

Hi everyone I’ve been trying to get private medical insurance for my son, also covering mental health. Every company so far has refused, If mental health is bought on from autism then it won’t be covered. Surly this can’t be right ? Any help greatly appreciated. Thank you. 

Parents

  • It's a business.  People sometimes think that because it affects health, the business parameters won't be so rigidly applied.  They will. 

    I had private health insurance all my life until 2012 (and used it extensively) but eventually the list of exclusions became so big it was rendered pointless; any problem I was ever likely to have was excluded, and I'd be paying a premium so large some people thought I was exaggerating, in order to cover eventualities which were extremely unlikely.

    I didn't see that as a good investment. 

    In the years since I have paid cash for some health issues, and that is a lot cheaper than the premiums I'd have paid (though those things wouldn't have been covered anyway).  

    Health insurance is a) a bet, and b) a business.  Insurers are essentially bookies.  Despite all the glossy ads and the effort made to persuade you of their caring nature they have no interest in your welfare.

    It's good to have for healthy people, as a rule.  If you are unhealthy, it is prohibitively expensive or (as you've found) not available at all.  

Reply

  • It's a business.  People sometimes think that because it affects health, the business parameters won't be so rigidly applied.  They will. 

    I had private health insurance all my life until 2012 (and used it extensively) but eventually the list of exclusions became so big it was rendered pointless; any problem I was ever likely to have was excluded, and I'd be paying a premium so large some people thought I was exaggerating, in order to cover eventualities which were extremely unlikely.

    I didn't see that as a good investment. 

    In the years since I have paid cash for some health issues, and that is a lot cheaper than the premiums I'd have paid (though those things wouldn't have been covered anyway).  

    Health insurance is a) a bet, and b) a business.  Insurers are essentially bookies.  Despite all the glossy ads and the effort made to persuade you of their caring nature they have no interest in your welfare.

    It's good to have for healthy people, as a rule.  If you are unhealthy, it is prohibitively expensive or (as you've found) not available at all.  

Children