Who is your medical insurer and why?

[0ze_Kid]

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

 

[rani]

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.

 

[reei]

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.

 

[0ze_Kid]

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.

 

[jaetee]

Have you considered IHI or Interglobal?

 

[0ze_Kid]

Have you used either of these? What makes them different than the others? Thanks

 

[Shenzhennifer]

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.

 

[0ze_Kid]

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?

 

[rani]

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.

 

[Shenzhennifer]

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?

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.