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Private health insurance Benefit for sports injuries?
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tommy060289




Joined: 08 Aug 2012
Posts: 428

PostPosted: Wed Feb 28, 2018 8:40 pm    Post subject: Private health insurance Benefit for sports injuries? Reply with quote

Evening all,

Bit of a question regarding peopleís personal experience of private health insurance and how it has benefitted then when injured and unable to compete at sport. Iíve had an ongoing knee problem now for two months (granted not the longest injury anyone has ever had) but I keep feeling that the NHS is pretty much a dead loss with regards to getting treatments. Wait lists are long and itís just referral and wait for the next person to come look at at which point the doctors seem very pressed for time, want to get you moved on as quickly as possible and as such donít feel like Iím being given the time to really assess what the problem is. I understand why these issues exist but ultimately what Iím interested in getting better.

Does anyone have experience of care from private health care and insurance. Has it helped you or been no different. Did you get an appointment print or a quick referral for a scan or did you ultimately end up no better than if you were with the NHS?

If it makes any difference it is BUPA I was thinking of going with as the premium is about £40 a month for me and my wife as have a Work discount scheme.

Cheers

Tom
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stenard




Joined: 04 Sep 2013
Posts: 1821

PostPosted: Wed Feb 28, 2018 11:05 pm    Post subject: Reply with quote

I use bupa all the time. I get it as an included benefit at work (obviously pay the tax cost of the BIK). They're pretty decent at getting slots with physios for musculoskeletal issues...you just book a telephone consultation with one of their own physios and so long as you know what to say, you'll get a referral to an actual physio. Once with them, they can keep requesting more sessions if they know how to play the game.

Very useful for niggles. Last year I tweaked my calf 10 days before Rotterdam. Had an appointment with my local physio through bupa within a couple of days, and through that was able to get diagnosis (not severe), treatment (about 4 sessions in the ten days), and a rehab plan to get me on the start line. Didn't set the world alight on the run, but at least I was able to race pretty well.

It does all depend on the precise policy you get with bupa tho
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explorerJC




Joined: 20 Oct 2005
Posts: 15755
Location: Farthingstone

PostPosted: Thu Mar 01, 2018 5:48 am    Post subject: Reply with quote

I've had experience of both....with mixed experiences.

One op on private cover failed twice, third time on NHS was a success....the same consultant each time!

More recently I've had both knees operated on through NHS and pushed the system to gave them done swiftly. Found a great knee specialist at Oswestry
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fat buddha




Joined: 13 Jul 2004
Posts: 2503
Location: rural Zuzzex

PostPosted: Thu Mar 01, 2018 9:13 am    Post subject: Reply with quote

going private is undoubtedly the thing to do if you can afford to do so. the treatment you get isn't necessarily going to be much better as you'll be seeing the same specialists (in the main) that also work in the NHS but the big difference is speed of action - you don't have the long waiting times of the NHS and for some injuries/illnesses, the quicker they act, the better the outcome.

sadly, I'm now at an age where the premiums for private cover have become prohibitive so have dropped back to the NHS. I'm being managed currently for atrial fibrillation and have a cardioversion procedure tomorrow and so far the NHS service and staff have been superb (if frustratingly slow at times) - just hope it continues. I did pay to see a consultant early on after diagnosis to get an assessment of my condition, but he assured me that time wasn't of the essence so I was happy to drop back into the NHS system and bide my time.

if time had been critical, I'm sure the NHS would have sped up for me (as they do for many acute life threatening conditions) or I would have sucked my breath in and paid.
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leahnp




Joined: 25 Jan 2005
Posts: 1923
Location: Scottish Borders

PostPosted: Thu Mar 01, 2018 9:27 am    Post subject: Reply with quote

I'm with Vitality/Spire health and have to say that 2 knee ops and a double inguinal hernia were carried out within a week of the diagnosis. The post op is as important as I had a sports physio allocated and worked on my recovery.

It is pricey I pay 80 quid a month for a family of 4 but if I need anything then it will be supplied as soon as possible.
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stenard




Joined: 04 Sep 2013
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PostPosted: Thu Mar 01, 2018 10:03 am    Post subject: Reply with quote

fat buddha wrote:

if time had been critical, I'm sure the NHS would have sped up for me (as they do for many acute life threatening conditions) or I would have sucked my breath in and paid.

I think that's the key thing. The NHS (when subject to constraints) is there to provide critical cover. Elective surgeries are always going to be subject to delays if something critical comes in. Our private/public mix is such that almost zero care is provided by the private sector, so scheduled procedures with them are almost never going to be bumped for an emergency.

I'm certainly not knocking the NHS for the quality of care though. I had acl reconstruction in October 2005 (7m wait which I have no cause to complain about) and have had no issues whatsoever. But things like physio are just considered a luxury item, and physio resources will inevitably be allocated to those who have debilitating issues, rather than those wanting to get back into sports.
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tommy060289




Joined: 08 Aug 2012
Posts: 428

PostPosted: Fri Mar 02, 2018 8:54 am    Post subject: Reply with quote

Thanks for the replied guys. I think based on these replies I think I might take out some health care plans.

A bit of a side note is how have people found the Drs ability to investigate issues when private differ. I think my biggest issue has been to the two times I have seen the two consultant is they spent minimal time examining me and virtually instantly went "your a runner with knee pain, that's ITB syndrome' or 'you've strained you calf' where as at least when I saw a private physio because you were paying for a time slot they spent the entire slot assessing you.

Do 'private' time slots tend to be more thorough with doctors or just more of the same?
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fat buddha




Joined: 13 Jul 2004
Posts: 2503
Location: rural Zuzzex

PostPosted: Fri Mar 02, 2018 9:05 am    Post subject: Reply with quote

tommy060289 wrote:
Thanks for the replied guys. I think based on these replies I think I might take out some health care plans.

A bit of a side note is how have people found the Drs ability to investigate issues when private differ. I think my biggest issue has been to the two times I have seen the two consultant is they spent minimal time examining me and virtually instantly went "your a runner with knee pain, that's ITB syndrome' or 'you've strained you calf' where as at least when I saw a private physio because you were paying for a time slot they spent the entire slot assessing you.

Do 'private' time slots tend to be more thorough with doctors or just more of the same?


they tend to spend more time - but not a huge amount more - with you as you're the one paying. if you want more extra time with them, ask their secretary as their may be an additional charge for that
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Tri'ing Swimmer




Joined: 15 Nov 2016
Posts: 166

PostPosted: Fri Mar 02, 2018 8:26 pm    Post subject: Reply with quote

Currently working with sports medicine specialist doctors in South Africa. Granted they're rspected as being some of the best in the world, and have to admit the standard of care is phenomenal. Made me think twice about my love for the NHS, but then they put on a clinic in the public hospitals and saw patients with completely shattered joints (barely walking, nevermind elite sport), and they can't afford the operations.

As for the UK I agree with above that standard of care is generlaly no different as similar people in both systems, but dealing with healthy people who just want to push their limits will always be seen as a luxury which there isnt time for in the NHS.
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tin pot




Joined: 08 Jul 2013
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PostPosted: Thu Mar 08, 2018 5:18 pm    Post subject: Reply with quote

Iím freelance and my main client is a well known global insurance group - they have some quite interesting developments going on so you might want to shop around.

I have visibility of the corporate activities rather than individuals, but it seems pretty straightforward if you need to see a physiotherapist. There are ancillary offerings around general well-being, health coaching and mental health too.
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Whisk 2.1




Joined: 20 Mar 2018
Posts: 9

PostPosted: Tue Mar 20, 2018 2:50 pm    Post subject: Reply with quote

Maybe stating the obvious, but when you take out a new health insurance policy you usually have to state any pre-existing conditions or conditions you've had treatment for in the previous couple of years. If you've had recurring problems then you might find that the new policy won't cover you for treatment on that condition.
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jibberjim




Joined: 15 Aug 2008
Posts: 8332
Location: Kingston

PostPosted: Tue Mar 20, 2018 4:16 pm    Post subject: Reply with quote

Whisk 2.1 wrote:


Wait, What? You've really let yourself down in the padding stakes.
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Whisk 2.1




Joined: 20 Mar 2018
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PostPosted: Tue Mar 20, 2018 5:33 pm    Post subject: Reply with quote

jibberjim wrote:
Whisk 2.1 wrote:


Wait, What? You've really let yourself down in the padding stakes.


Yeah, I know. Locked out of my account, which is registered to a work e-mail account and the reset e-mails don't make it through the spam filter... Rolling Eyes Crying or Very sad
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stenard




Joined: 04 Sep 2013
Posts: 1821

PostPosted: Tue Mar 20, 2018 5:43 pm    Post subject: Reply with quote

Can an Admin/mod not reset it for you, and give you a new temp password to then be changed?
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GrahamO




Joined: 10 Apr 2005
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Location: United Arab Emirates or an airport

PostPosted: Mon Mar 26, 2018 7:41 am    Post subject: Reply with quote

Whisk 2.1 wrote:
Yeah, I know. Locked out of my account, which is registered to a work e-mail account and the reset e-mails don't make it through the spam filter... Rolling Eyes Crying or Very sad


There's no reason why you cannot reregister with the same email address, and just recreate the account.

BTW, the account was deleted because in common with so many spammers I clear out, it was registered and seven days later still hadn't posted anything.

If people register and don't use the account, I delete them as the 25,000 accounts clogging everything up and the cast majority have never been used as they were registered by bots.
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