Health Insurance

How Covered Are You ??

Advantages: Super Quick Service, Great Facilities
Disadvantages: Expensive

...private health care policies and Bupa is probably about as big as they come in the sense of customers and facilities available for their customers. Everyone who works in this country pays their stamp and therefore pays for NHS treatment should you need it but the reality of it in the real world is that although if you are in urgent and life threatening need of treatment you will get it but otherwise you could be waiting years. I have always thought ...
...I was offered a free Bupa healthcare cover through a security job I had joined so of course I took it. About 6 months after joining I went to the doctor as I had developed a large lump in my groin and he examined me and said that I had a Hernia that needed urgent attention as left untreated my Stomach could become strangulated and could die. I rushed down to Accident and Emergency as told by my doctor and waited 3 hours to be told that I had about ...

bazzaoleary77 14.02.2007 · Read full review
Ciao members have rated this review on average: very helpful
Review of BUPA

Ok when taking your money but when you want to claim.............

Advantages: My typing has improved massively writing so many letters
Disadvantages: Where do I begin???

My experience with HSA have included the following a) Initially happy to take payments but then when you want to claim they want to see this record, that record, these x-rays (yes you have to pay your dentist for these to be released), those x-rays, previous records, notes etc! - The company should ask for this up front rather than waiting for you to claim and then just making it unbelievably difficult and totally inconvenient. b) Taking too much ...
...d) Ignoring letters and e-mails until you send them registered post. I can only conclude that the positive reviews must have been written by HSA staff on their lunch breaks! I'm sure once this gets published they'll be a few more positive ones appear. Funny that! Unhappy Customer ...

Happy-Bunny 14.07.2009 · Read full review
Ciao members have rated this review on average: helpful
Review of HSA

Is it value for you?

Advantages: Can Help towards medical costs
Disadvantages: In many cases you are paying more than you claim back

...have been a member of Westfield for over 20 years but have now decided to down grade from the 3rd option to the lowest. Until recently I only claimed the dental grant. On an average, not needing much treatment I spend £40 per year on check up, clean and polish. Having paid £285.84 over a two year period I have paid £205 for the priviledge of getting back £80. I now wear glasses and claimed £120 towards them but have still overpaid by £85. The rates ...
...by all means consider joining Westfield otherwise weigh up the cost against what you will normally claim. This is not private medical insurance getting you into hospital quicker. It is a scheme to recoupe the costs you have paid, make sure that is what you are doing. On my downgraded sheme I will pay £103.92 over 2 years. (instead of £306.72 in my current scheme from Jan 2006)However I will use the £37 towards my glasses and the £52 over 2 years ...

LizD 13.01.2006 · Read full review
Ciao members have rated this review on average: very helpful
Review of Westfield Health Scheme

Being ill has its benefits

Advantages: Getting paid for every day expenses
Disadvantages: None that i can think of

...a few years ago by BHSF Ltd and since then nothing much has changed. We still pay in each month by direct debit and every time we have any treatment done we send them the receipts and they send us the money back in the form of a cheque. (They will also put it back into your account by transfer if you prefare). So what else does it cover? I will give you the maximum amounts paid back in each category, the first amount is for the minimum payment ...
...scheme. Contact details: BHSF Ltd Gamgee House 2 Darnley Road Birmingham B16 8TE Email - enquiries@bhsf.co.uk Tel - 0800 622552 I really can't recommend this health scheme to highly, i have checked out other similar schemes but none other have the quantity of areas that can be claimed for, also the free personnal accident cover isn't included on some of the others, so that is a nice bonus. (Not that you would ever want this to happen just ...

levenite 13.06.2007 · Read full review
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Review of BHSF Limited

NO PAYOUT on the Accident, Sickness & Unemplotment policy.

Advantages: None
Disadvantages: Lost all my monies paid and now no money to pay mortgage.

Avoid Cardif Pinnacle at all costs. To give you some background I am a self employed drilling materials co-ordinator working in the North Sea on the oilrigs therefore I took on a policy to cover Accident, Sickness & Unemployment back in December 2004. Everything was fine, Pinnacle was getting monthly payments, I was or thought I was covered then came the recession and the oil companies stopped drilling, my contract came to an end and I was forced ...
...I got a letter from Pinnacle asking for six months bank statements and confirmation that the accounts to cessate the business had been prepared and submitted to the HM Revenue & Customs. After several phone calls to explain this the outcome is that Pinnacle want my business total shut down, including the bank account before any claim can progress. I tried to explain that by closing down the business completely makes me unemployable in my trade as ...

scrogz 04.11.2009 · Read full review
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Review of Pinnacle Insurance PLC