S-g you’re almost asking me “how long is a piece of string?”! There are so many variables such as age, previous medical history , current issues etc etc. I use a broker so my monthly charges have remained much the same for the last five years or so because they move me each year to the cheapest/best option. It certainly isn’t cheap. I pay roughly £180 a month and am with Aviva at the moment but that doesn’t cover ‘previous issues’, it’s called a ‘moratorium’. But then I’m old at 77!!!
It really is an ‘insurance’ should treatment be needed quickly. I think of Margaret and her knee. When I needed hip surgery I chose my surgeon, hospital and time. I certainly didn’t have to wait for month after month becoming less able and in more pain. But as I say it comes at a cost.
I have an issue at the moment, just waiting for CT results, and I’m sincerely hoping I don’t have to call on my insurance. However, if the worst comes to the worst at least I know I can get almost immediate treatment and not have to rely on the NHS ‘guidelines’.
The system in France sounds so much superior to ours here. If you can be added to your daughter’s plan that would be great. In the past I was on my husband’s company plan but it only covered spouse and children. Certainly something to think about but definitely not a deal breaker. In an emergency the NHS are really good it’s just ‘elective’ surgery like knees and hips that can take many, many months. Although how they classify new hips and knees as ‘elective’ I’ll never know. Who ‘elects’ to be in increasing pain waiting for a replacement???
Ok. Off my high horse. Isn’t it lovely when the garden starts to re-appear from its winter snooze and is helped towards its summer splendour!
Have a good weekend.