Who is your medical insurer and why?

0ze_Kid

0ze_Kid

Registered User
Hi

I am pretty close to deciding between AXA, BUPA or Healthcare Int and wanted to get some feedback from other parents with young kids as to who they use and why chose/eliminated them.

Everyone pretty much has the same things on offer so it makes it hard to distinguish.

Many thanks
 
We went with Healthcare Int'l as it had the best cover, and premiums are reasonable. However, we haven't put in a claim yet.
 
AXA - policy seems quite reasonable and my service agent , recommended by my colleague to me is pretty professional. He will do annual review for you. I am quite happy with the service so far.
 
A friend has suggested an agent. She came up with the same ones I had been looking at independently so I am pleased from that point of view.
 
I want to kick BUPA in the face. They are disputing 3 out of 4 claims I sent them. And they want a GP`s referral letter before they will accept a claim from a Paed. Ridiculous. I wouldn`t sign up with them.
 
Thanks Shenzhennifer. This is the type of stuff I am after. The BUPA plan I was looking at has a card attached that you just give the GP and you don't have to pay up front. Do you use one of these?
 
I had a problem with William Russell. D was ensured from birth, and he was sick quite a bit when he was a baby and was hospitalized for Bronchiolitis. They didn't want to pay his bills in the end and stated it was a pre-existing condition.
 
0ze_Kid said:
Thanks Shenzhennifer. This is the type of stuff I am after. The BUPA plan I was looking at has a card attached that you just give the GP and you don't have to pay up front. Do you use one of these?
Click to expand...

There`s a card, but I think that is only for use with another plan - not the one we`ve got. We have to pay upfront. Then they dispute it. And they don`t pay for well baby visits, which are pretty important.
 
ohmy... rani, that is terrible. I remember going through a lot when trying to get insurance before the birth of DD2. We ended up sticking with our Australian medical incase anything did happen. This time round we have to go local which I think is a better actually.
 
Shenzhennifer - exactly. I wouldn't be so picky if it was just DH and I but I want to make sure that DD's can have the best.

That was why I thought the card would be a good way to go. So I don't have to mess about with paperwork.
 
Yes, I couldn`t agree more, but there is a plan, I think the most expensive plan, that allows you to do that.
I just think it`s ridiculous that I would have to first see a GP to hopefully get a referral letter to then go see a paediatrician WHEN MY BABY IS SICK.
 
we decided against insurance. we've been very happy with the gov't system and medical care. we found that even going to private doctors for non-emergencies, we NEVER spend enough at these doctors to recoup the cost of the premiums.... of course, though doctors in DB are much more expensive, so it may be worth it if you are there.

still we found, for us, it wasn't worth it... even when we were in DB.
 
from what i gathered watching "SICKO"... many insurance companies employ people whose sole job it is to find reasons why they SHOULDN'T pay you...

don't know if that holds true here or not, though... don't even know how true it is int he states, but i wouldn't doubt it.
 
We have AXA through my husband's company. It's not bad - but probably not the "greatest" either. We just get it because it comes "free"...

And Jennifer - we solve the GP/paed problem by going to a doctor who is both!! And she's one where we just swipe our AXA card and don't have to pay upfront. We're really lucky to have found her!!
 
I've been with IHI for many years now...and have found them to be reasonable....reimbursements come within 2 months, and i have never had anything disputed. I was most happy (and surprised) when I had complications with my maternity and it meant the overall cost of the delivery was more than the expected cost. Without any questions asked IHI helped me foot the entire bill (not just the amount covered by my insurance plan). They wrote to me about a month after the delivery and told me that "due to the nature of the circumstances of my delivery they felt that they would pay for the bill first even though the amount was over the amount covered by my plan. They then asked me to reimburse them the extra money they had paid to help me cover the cost of the bill. I thought this was really thoughtful for them to do this...very understanding...in fact a nice surprise.
 
carang said:
from what i gathered watching "SICKO"... many insurance companies employ people whose sole job it is to find reasons why they SHOULDN'T pay you...

don't know if that holds true here or not, though... don't even know how true it is int he states, but i wouldn't doubt it.
Click to expand...

Oh yeah, that`s gotta be true.

Nicolejoy - where is your doctor? What a great option for you. I want one too!
 
You must log in or register to reply here.
Back
Top