Private Heath Insurance - sammy1

There has been a surge in private health insurance due I suppose to some 7.2 million people on NHS waiting lists. As private health expands and indeed the NHS are sending patients to them what is going to be left for the rest in years to come. OK the vast majority will have no alternative but to stick with the NHS but where will the staff come from. NHS doctors have long held jobs in both camps and if they are working more in the private sector thing will not improve

Private Heath Insurance - movilogo

This is a very sensitive topic and controversial too.

NHS is a great system. I am happy to go private but then I don't want to pay NI.

Paying for NI then going private means paying twice for something.

Also, by encouraging private it means government does not have to try improve NHS.

May be that is exactly what the Tories are attempting - make NHS so bad that people will be forced to go private.

Private Heath Insurance - Engineer Andy

This is a very sensitive topic and controversial too.

NHS is a great system.

Rather a matter of opinion there, I think. If it's so good, why is the UK the only country to utilise it, especially on the funding / payment /choosing treatment side of things.

I am happy to go private but then I don't want to pay NI.

Paying for NI then going private means paying twice for something.

Indeed. Rather like I live on a private (non-adopted) housing development (not posh) but still pay full Council Tax despite us having to fork out a LOT for the upkeep of our roads/paths, street lights, communal kiddies play area, etc.

For the same rason its why Labour (and other parties of the Left) wanting to tax private schooling (taking off charitable status etc) is bad.

Also, by encouraging private it means government does not have to try improve NHS.

May be that is exactly what the Tories are attempting - make NHS so bad that people will be forced to go private.

I wouldn't say that the Tories are 'attempting' anything really. Sadly hey're not doing much different to the Bliar-Broon governments before them, which is to say stuffing money down the drain into (bad) management and into the pockets of firms and 'ex-NHS staff' who resign/retire (early) and come back as agency staff the next day on 2-3x the salary. That and costly white elephant IT and building projects.

Private and compulsary (part public contribution via tax) health insurance is what is used in many vastly better systems than our, e.g. Germany, France and Down Under.

Unfortunately, too many Brits, much of the media (especially TV news) and politicians are too weak-minded to say how bad the NHS model is (that's different from many individuals getting a decent service but not realising the cost to society).

I myself (and my family) have on occasion had good experiences, but most I'd say were well below par, mainly associated with poor management, training and overly bureaucratic systems, leading to delays to treatment, poor diagnosis / treatment and a poor attitude from some staff that appear to care more about doing as little as possible for the most money and very little about patients.

Private Heath Insurance - Andrew-T

Well, that's a view from a fairly dissatisfied customer. I am lucky to have been a hospital patient only twice since I was about 11 (tonsils out) - I had a minor op just before my ex-employer ceased paying my BUPA sub, and I recently had an ankle replaced. Both results were fully satisfactory (at least so far). I signed up for the ankle at the end of 2021, when the wait would have been 3 months for private surgery or 9 months for exactly the same thing under NHS. As I had put in more than I had taken out for 70 years, I chose to wait.

I believe the NHS is simply too large and cumbersome to be managed as one system. One shortcoming is that hospitals rely on incompatible varieties of IT application which are probably impossible to merge. For example round here (Cheshire) X-rays can only be sent electronically within certain groups of hospitals. But I have no complaints about my own experiences.

Private Heath Insurance - Xileno

The service I received last summer when I had to go into the local hospital (Bath Royal United) for a scan was extremely good apart from getting an appointment with the doctor. In and out in about 90 mins, possibly a bit less.

The health centre didn't take forward bookings. You have to phone on the day and hope they have a slot for that same day. The queue on the phone was long, in the end I went down to the centre and waited outside. Others were doing the same. I have heard they're using the standard NHS Advance Booking System again so probably ok now.

When I dd get a doctor's appointment it all progressed very efficiently so overall my experience was positive.

Private Heath Insurance - Adampr

Public healthcare works really well in wealthy countries that are prepared to invest in it. It works poorly when they're not. I have the misfortune to use the NHS quite a lot and agree that the biggest problem is always getting to see a GP and getting referred in the first place. They have been cast into this role as gatekeepers of the service. If you can get past them and into a hospital it's very efficient and normally pretty good.

We are now running seriously low on GPs and aren't attracting any new ones. A lot of British ones leave for, say, Australia where they are better paid and treated better. When we're in a position of economic strength, we can normally attract more from around the world but we're in quite dire straits at the moment (and cut off our labour supply from the continent) so not much hope there.

As for the notion of not paying tax or NI because you have private healthcare (which I do), that's like saying you don't want streetlights because you own a torch or, as I have said, you want the defence element of your tax back and will defend yourself in the event the Russians invade. Everyone has public services they don't use or don't think are worth the money.

Private Heath Insurance - Andrew-T
As for the notion of not paying tax or NI because you have private healthcare (which I do), that's like saying you don't want streetlights because you own a torch ....

Tax and NI is a fairly painless form of socialism, where the better-off pay in more than the rest, and the less-fortunate health-wise take out more. Just as with car insurance, everyone (or most) pays in so that the unlucky few suffer less seriously from their disasters. It would be a peculiar form of penny-pinching if those going 'private' on the NHS asked to have their NI contributions refunded.

Private Heath Insurance - Brit_in_Germany

I don't see the connection between NI payments and healthcare. NI just counts for the level of state pension, as far I can tell. The problem with a private system is that there is an incentive for the providers to over provide with cartels between referring doctors and surgeons.

Private Heath Insurance - skidpan

One important thing to remember regarding NI payments is they do not only go to the NHS. Only a couple of weeks ago I paid an approx £2400 lump sum to increase my state pension to the max when I get it starting in June. So even if it were possible to opt out and go private with regards to healthcare there would still be some NI to pay.

As regards the NHS whilst I admit its not perfect no one has come up with a system that is likely to be better. I have used it facilities at least twice a year since 2010 approx (when I was diagnosed with glaucoma) and I am 100% certain the service I have received could not have be bettered by any other provider. In that time I have also been treated for an avulsion fracture of my right fibula, had a camera down my throat and up the other end plus had new lenses in both eyes. The last was in November last year, referred in early August and job done 4 months later.

Dad had vascular dementia and because of his behaviour issues was entitled to what is referred to as "continuing care". For the 3 years he was in a nursing home the NHS paid 100% of his bills. In reality the money saved was spent on mums care since she was self funded but it did mean their financial worries were minimised.

What the government needs to do is ensure everyone pays the tax (and NI) they should. This government is proof that is not going to happen soon sine the ministers themselves are busy avoiding paying tax themselves. If a more robust system of collection was introduced there would be more to spend.

Private Heath Insurance - movilogo

One important thing to remember regarding NI payments is they do not only go to the NHS.

Correct, NI pays for NHS, pension and some other benefits. But I have not managed to figure out exactly what % of NI goes to NHS.

As regards the NHS whilst I admit its not perfect no one has come up with a system that is likely to be better.

Yes, alternative to NHS is private healthcare which most other countries have. That has its pros and cons too.

As population grows older and people live longer, NHS is will be more constrained. In order to NHS function correctly, it can only handle certain number of patients. With aging population, the demand grows. So it needs more people who pays NI (i.e. fund NHS) but don't use as much. Which means more young workers required, meaning more immigration. But voters don't like immigration (because it puts load on all public services).

So it becomes a catch 22 situation.

Private Heath Insurance - Falkirk Bairn

National Insurance started out as Pensions & Health.

Today it is just taxation like income tax, corporation tax, VAT, Car Tax, Alcohol Tax .............. it all goes into the same pot and is divided up as the government decides.

So much Government expenditure has to be paid for whether they like it or not - little room to reduce any tax.

Private Heath Insurance - Bromptonaut

Correct, NI pays for NHS, pension and some other benefits. But I have not managed to figure out exactly what % of NI goes to NHS.

Wikipedia has some sort of an explanation:

en.wikipedia.org/wiki/National_Insurance_Fund

NI goes into a fund earmarked for particular spending but any surplus is loaned back to the Government.

In practice, other than for calculating years for the "Old Age Pension" and entitlement to a handful of contributory benefits it might as well be added to Income Tax. The benefits directly linked to contributions, other than the pension, are New Style Job Seekers or New Style Employment and Support Allowance. There's also a link for certain benefits for Widow(ers) and children when people die young but mist people who have worked will meet that test easily.

There are also ways you can be credited with Contributions for example bringing up children, being on a low income or being a Carer and receiving benefits. In the latter case though, people on means tested benefits like Universal Credit only get Class 3 contributions. These are mainly about the Old Age Pension as opposed to Class 1.

What there is not is a pot of money, accumulated from one's contributions down the years, with your name on it for when you reach Pension Age.

An awful lot of people who fall on hard times late in their working life are horrified by what they're expected to live on after working for 40+ years.

Private Heath Insurance - Adampr

Public healthcare works really well in wealthy countries that are prepared to invest in it. It works poorly when they're not. I have the misfortune to use the NHS quite a lot and agree that the biggest problem is always getting to see a GP and getting referred in the first place. They have been cast into this role as gatekeepers of the service. If you can get past them and into a hospital it's very efficient and normally pretty good.

We are now running seriously low on GPs and aren't attracting any new ones. A lot of British ones leave for, say, Australia where they are better paid and treated better. When we're in a position of economic strength, we can normally attract more from around the world but we're in quite dire straits at the moment (and cut off our labour supply from the continent) so not much hope there.

As for the notion of not paying tax or NI because you have private healthcare (which I do), that's like saying you don't want streetlights because you own a torch or, as I have said, you want the defence element of your tax back and will defend yourself in the event the Russians invade. Everyone has public services they don't use or don't think are worth the money.

Private Heath Insurance - Heidfirst

There has been a surge in private health insurance due I suppose to some 7.2 million people on NHS waiting lists. As private health expands and indeed the NHS are sending patients to them what is going to be left for the rest in years to come. OK the vast majority will have no alternative but to stick with the NHS but where will the staff come from. NHS doctors have long held jobs in both camps and if they are working more in the private sector thing will not improve

Yes, the NHS has been sending people to private healthcare facilities but private healthcare facilities also send clients to NHS facilities. & often as you say, it is often the same doctors/consultants at both.

It is important to note also that both the Canadian & French social health system (& quite possibly others) also have major problems presumably for similar reasons to ours - healthcare can do a lot more now than it could when it was originally set up in the 50s & we have a demographic issue with the population trending to an older population.

There was an intersting TV interview several weeks ago with a French GP in training who was asked if she was ill would she rather be treated in the UK or France - her answer was that she would want to be rich & in the UK! :p

Edited by Heidfirst on 12/02/2023 at 15:09

Private Heath Insurance - galileo

When the NHS was founded, it was intended to provide free GP consultations (previously not free), ambulance service, hospital treatment for injuries and illness.

There were few antibiotics, kidney, liver and heart transplants were a fantasy, fertility treatment, gastric bands and many procedures now common were not considered, so the National Insurance scheme to fund the NHS seemed adequate.

All of these advances, MRI and CT scanners and expensive pharmaceuticals clearly can not be provided universally unless there are reforms.

Successive Governments, NHS top management (and, recently, politically motivated Union leaders) have all 'kicked the can down the road' instead of making the changes necessary to make the system affordable.

Avoiding possibly unpopular changes and instead throwing taxpayers' cash into the bottomless pit of 'Our Sacred NHS' is not the solution.

Private Heath Insurance - Bromptonaut

Successive Governments, NHS top management (and, recently, politically motivated Union leaders) have all 'kicked the can down the road' instead of making the changes necessary to make the system affordable.

If you were the PM what would you change and how would treatment be paid for?

Private Heath Insurance - skidpan

One simple change would bring in money without costing the vast majority of the population a penny.

Abolish the reduced rate for high earners.

Private Heath Insurance - Bromptonaut

One simple change would bring in money without costing the vast majority of the population a penny.

Abolish the reduced rate for high earners.

Do you mean NI?

Private Heath Insurance - skidpan

One simple change would bring in money without costing the vast majority of the population a penny.

Abolish the reduced rate for high earners.

Do you mean NI?

Indeed I do

Private Heath Insurance - Engineer Andy

One simple change would bring in money without costing the vast majority of the population a penny.

Abolish the reduced rate for high earners.

Do you mean NI?

Indeed I do

A pity that won't even scratch the surface as regards the bottomless pit of NHS spending. The problem is, as Galileo so eliquently put it, that there are far more 'demands' on the service, its poorly maneged at nearly all levels, plus there's little cohesion between the various parts of the service, both frontline, backoffice / management and building services / estates.

The amount of money wasted on various wheezes and schemes (incl. virtue-signalling projects that accomplish nothing or make things worse), non-jobbers (diversity and inclusion officers is the latest), staff who 'retire' (young) and come back the next day on lavish third-party contracts (the firm employing them earns most, but the 'staff' still make bank) as 'locums' etc, and IT & building work is staggering.

Add to that an ever-increasing medical negligence (which costs a fortune)*, most of which gets swept under the carpet by all relevant parties - government, civil servants, professional medical bodies, Quangos and the police. Whistleblowers get treated far, far worse than the perpetrators of malpractice, negligence or even criminal behaviour. Lessons rarely get learned (though they say they do in PR messaging)

As someone who for years worked in and around such things (later on I refused to work on such projects to protect my professional reputation), you really need to see first hand how much money and resources are wasted. The only government department I know of who wastes more money for each £ in taxes is, in my opinion, the MoD.

Politicians (of all stripes) and officials / on the ground mangers are equally responsible. As Galileo says, none are willing to speak the truth because it is seen as 'heresy' to denigrate the 'sacred NHS' and the many vested interests in Big Pharma and elsewhere whose income is dependent upon the existing system continuing without reform.

* this will be nothing compared to future claims and healthcare provision needed to resolve the huge medical problems caused IMHO (and an increasing number of top medical professionals, whose voices are slowly being heard) by the 'Fauci ouchies'. Of course, it will be blamed on 'other factors' anything but them, and studies to back up claims etc will be stopped, covered up or rubbished by their friends in the MSM.

Private Heath Insurance - FP

"this will be nothing compared to future claims and healthcare provision needed to resolve the huge medical problems caused IMHO (and an increasing number of top medical professionals, whose voices are slowly being heard) by the 'Fauci ouchies'."

What on earth is this about?

You're welcome, as ever, to attempt to explain, justify or provide evidence, but it's probably not worth following it up, since we know what happens when you do. Not that I understand the "huge medical problems caused... by the 'Fauci ouchies'." Is this America, rather than the UK, we're taking about?

Is this something about vaccines, or what?

Private Heath Insurance - Engineer Andy

"this will be nothing compared to future claims and healthcare provision needed to resolve the huge medical problems caused IMHO (and an increasing number of top medical professionals, whose voices are slowly being heard) by the 'Fauci ouchies'."

What on earth is this about?

You're welcome, as ever, to attempt to explain, justify or provide evidence, but it's probably not worth following it up, since we know what happens when you do. Not that I understand the "huge medical problems caused... by the 'Fauci ouchies'." Is this America, rather than the UK, we're taking about?

Is this something about vaccines, or what?

Why ask the question, since you obvious knew the answer. Is it because you want the discussion closed down once it exposes the fallacy of the NHS in its current form? No other Western Industrialised country uses a system identical to ours and as a result do far better.

Throwing good money after bad won't help, as the early 2000s showed perfectly. A lot of the money is now wasted on paying private firms way over the cost to 'run' hospitals because those 'negotiating' the long contracts in the early 2000s thought that the good times of spending on credit would continue forever.

Unfortunately, as we're now finding out, there's only so many ways to creatively hide public debt before the normies finally cotton ont to the decades-old scam. Add to this the likely huge increase in medical negligence claims due (yes) to COVID vaccine injuries, both short and long-term born, are likely to c****** the public finances.

Add to that all the other things that have been done so badly at governmental level worldwide, no wonder the authorities are trying it on with 'Chinese spy balloons' and 'UFOs' as a distraction form it all.

You have to wonder what they've got in store for the next (manufactured) crisis or the one after that. presumably more to take away the few remaining freedoms we have and the transfer the rest of our 'wealth' (such as it is) to the Billionaire-owned megacorps with the help of their mainstream politician and journo lackies.

Few, if any politicians or journos (or anyone) has the guts to say that most of the world is bankrupt and mortgaged up to the wazoo with the IOUs only payable to China and the billionaire elites controlling the 'money' but mostly resources and land.

Private Heath Insurance - Andrew-T

<< Why ask the question, since you obviously knew the answer. Is it because ... >>

Always the same evasive response. It's no wonder Andy gets into trouble :-)

Private Heath Insurance - Brit_in_Germany

The German compulsory health insurance seems to be a reasonable model. The insurance contributions are a percentage of salary, paid for jointly by employee and employer, up to a ceiling.

Those above the ceiling or self-employed can opt for private insurance - this has advantages regarding the quality of treatment (perhaps) with an entitlement to be treated by the top doctor rather than an underling and a smaller ward and lower costs if you are young and single. A downside is that you can get trapped into the private system which is not so attractive for families or older people.

I would make the private system available only on top of the compulsory scheme - you can spend your money how you want to, but ring-fence the contributions to providing for health care, with a second insurance system for care for the elderly.

How to phase the introduction of a totally new system is a real problem, however.

Private Heath Insurance - skidpan

* this will be nothing compared to future claims and healthcare provision needed to resolve the huge medical problems caused IMHO (and an increasing number of top medical professionals, whose voices are slowly being heard) by the 'Fauci ouchies'. Of course, it will be blamed on 'other factors' anything but them, and studies to back up claims etc will be stopped, covered up or rubbished by their friends in the MSM.

Great, another conspiracy theory with no proof.

Private Heath Insurance - FP

There are a few people here who seem to find all kinds of threats around every corner. One can only speculate whether they have happy and fulfilled lives.

Private Heath Insurance - sammy1

There are a few people here who seem to find all kinds of threats around every corner. One can only speculate whether they have happy and fulfilled lives.

It you do not understand the debate why not just say so instead of throwing insults at the few.

By the few I suppose you mean the rest of us as there are few on this forum in the first place!

Private Heath Insurance - Engineer Andy

* this will be nothing compared to future claims and healthcare provision needed to resolve the huge medical problems caused IMHO (and an increasing number of top medical professionals, whose voices are slowly being heard) by the 'Fauci ouchies'. Of course, it will be blamed on 'other factors' anything but them, and studies to back up claims etc will be stopped, covered up or rubbished by their friends in the MSM.

Great, another conspiracy theory with no proof.

Just wait 6 months. Even Fauci now apparently admits that the vaccines don't prevent transmission or give any meaningful benefit (including avoiding hospitalisation) to anyone under 50 and/or who is otherwise healthy, and where the 'positive' effects period gets shorter with every booster and goes (more) negative with each, often leading those taking them to stand a far higher chance of becoming ill (and more seriously) from any infection.

Even the supposed 'guru' Bill Gates (who ear whispering seemed to direct many a government / politician's views) has done a 180 on this.

That was a supposed 'conspiracy theory' a year ago. It isn't any more.

Similarly with the use of face masks, where numerous scientic reports have discredited all the so called 'updated' guideance around April-May 2020, back to what it was prior to the pandemic, including that which the WHO previously ascribed to.

I suspect that even Google / YouTube won't be able to suppress the truth for much longer via their censoring scientists and clinicians on the whim of the FBI / CIA / UK equivalents and their politician and journo lackies, more and more of whom are now backing off and even changing their minds because they see which way the winds are blwoing, pre-empting the blame game.

Probably why the globalist elites are continually trying to confect more and more crises to distract and frighten to population into silence/submission. Looks like their still succeeding with a few weak-minded indivduals on this forum, presumably who think that the authorities won't come after them (for being good little boys) or will be too old to care because they'll be well gone by the time the REALLY BAD stuff kicks in.

I'm sure a lot of Germans thought much the same in the early 1930s or former Soviet citizens did when their dictators took over, and look what happened to them.

Private Heath Insurance - Andrew-T

<< Even Fauci now apparently admits that the vaccines don't prevent transmission >>

Vaccines are not designed to 'prevent transmission'. All they can hope to do is control the response to anything that gets transmitted. Face masks are an attempt to limit transmission; it is debated how much good they do, but they must be at least marginally better than coughing or sneezing openly.

Private Heath Insurance - Adampr

I'm not going to get right into it, but:

  1. What's going to happen in six months time?
  2. What has Fauci said said that makes you think he's changed his mind?
  3. What has Bill Gates said that makes you think he's changed his mind?
Private Heath Insurance - skidpan

Andy

The original post was about Private health care which you have neatly morphed into a post about Fauci, Bill Gates and made it into a new conspiracy theory.

You really need to get out more and enjoy life, it must be very sad having views that only your fellow conspiracy theorist friends believe and in reality are a load of rubbish.

For the record if we are offered a 5th jab later this year I will be at the front of the queue again and should a new wave happens I will wear a mask again until infections fall.

We all know that the jab never gave anyone 100% immunity to infection but what it did give was a vastly reduced need to hospitalise people with an infection and a vastly reduced death rate. When me and the wife got Covid last July we we both up to date with our injections and the symptoms we had were very minor.

Long may experts such as Fauci be in a position to give sound advice, without them Covid would have been far worse.

Private Heath Insurance - FP

I can hardly be bothered to trawl through Andy's latest rubbish, but if he wants any kind of serious discussion he can deal with this:

"Even Fauci now apparently admits that the vaccines don't prevent transmission or give any meaningful benefit (including avoiding hospitalisation) to anyone under 50 and/or who is otherwise healthy, and where the 'positive' effects period gets shorter with every booster and goes (more) negative with each, often leading those taking them to stand a far higher chance of becoming ill (and more seriously) from any infection."

Please provide evidence. I don't think there is any. And kindly avoid the waffle, ramble, deflection and whataboutery that sometimes characterises your "discussion". (N.B. As has already been pointed out, no-one ever claimed any vaccine prevented transmission - which is, to use your favourite phrase, a "strawman argument".)

As for your confident claim that something significant is going to emerge in six months' time, that reminds me a lot of the pro-Trumpers who even gave specific dates when something was going to happen to vindicate their argument. (For example, Trump would be reinstated on Aug. 13, 2021.)

Still, I will patiently await the arrival of July 2023 and look for whatever it is that's possibly going to happen.

Edited by FP on 14/02/2023 at 19:58

Private Heath Insurance - Brit_in_Germany

Didn't you hear? In 6 months the microchips in the vaccine will be activated.

Private Heath Insurance - alan1302

I'm sure a lot of Germans thought much the same in the early 1930s or former Soviet citizens did when their dictators took over, and look what happened to them.

And proof you need it that no matter what question you pose the Nazis will end up mentioned at some point.

Not worth the effort replying to Andy as you won't ever get an answer, unless you want a lot of waffle and conspiracy theories. I prefer to eat my waffles :-)

Private Heath Insurance - Rerepo

I have relatively little personal experience of the NHS because as a family we have generally used private medicine. Indeed I remember my mother having an operation in a private hospital back in the 1960s - although I think we used an NHS GP at that time and he was pretty good.

My youngest daughter is a doctor in a Midlands NHS hospital and her view is that the NHS is no longer in crisis - its actually completely broken. It would frankly terrify me if I thought I had to rely on the NHS. And the fact is that the NHS is well-funded. According to data I looked up (published by the Kings Fund) the per capita cost of UK health care is around £3000, which is not far off the European average.

In the UK we don't use medical insurance, we go the 'direct pay' route. I had a very major operation in 2008 which cost around £24k and we've had a couple of minor expenses such as scans, private GP consultations etc and a minor keyhole op for my wife last year. Even with the cost of my major op I think we are still well ahead as compared with paying health insurance. We spend quite a lot of time overseas (mainly at properties in Thailand and Spain) and we have a 'global health policy' from April International (a French company) which covers us outside the UK. I think it costs a couple hundred pounds a month for very comprehensive cover. I once injured my shoulder in Thailand and found the private hospitals to be absolutely first class (I used 'Bangkok International') and April International liaised directly with the hospital for payment.

I am currently UK resident for tax purposes and pay a small fortune in tax on my property rental income. I deeply resent the fact that I don't use the NHS but have to pay for it to treat the idle and feckless. Especially those that smoke, drink and eat themselves into ill health. I think making a charge for health care might 'nudge' the British into taking a bit more responsibility for their health. One of the things that always strikes us on arrival in the UK is the unhealthy appearance of a lot of British people. So many British people look bloated and sickly, with pallid skin - my wife calls it the 'Pillsbury Doughboy' look.

Private Heath Insurance - skidpan

I am currently UK resident for tax purposes and pay a small fortune in tax on my property rental income. I deeply resent the fact that I don't use the NHS but have to pay for it to treat the idle and feckless. Especially those that smoke, drink and eat themselves into ill health. I think making a charge for health care might 'nudge' the British into taking a bit more responsibility for their health. One of the things that always strikes us on arrival in the UK is the unhealthy appearance of a lot of British people. So many British people look bloated and sickly, with pallid skin - my wife calls it the 'Pillsbury Doughboy' look

The NHS is available "free" to all and despite the issues with it long may it continue. Its clear from your post you have loads of money but very few people I know would have the odd £24k kicking around to pay for an operation. At a time of severe health issues the last thing anyone would want is the added stress of trying to fined money to pay for treatment.

If you wish to pay for treatment go ahead but please don't try and stop the rest of us getting what in my case I have been paying for for almost 50 years now for free when as a retired person I am more likely to need now than ever. Over those 50 years I have actually received very little from the NHS but I never resented paying the NI and tax since at the time older family members were benefiting from it.

Private Heath Insurance - Andrew-T

I think the fundamental problem for the NHS is that it continues to aim for the founding principle from 1947/48 of providing health care to all as needed. In the ensuing 75 years all kinds of expensive new treatments have developed, and life expectancy has increased by many years - largely because of better health care. Only today, a new gene-editing procedure was announced costing £2.8 million, available on the NHS, admittedly only rarely called for, but that is a microcosm of 75 years' advances in the NHS.

The difficulty is persuading everyone that these new things cannot be afforded on relatively cheap taxation. Today's hospitals have to have all kinds of expensive equipment and expensively-trained people to operate it (and manage it :-( )

Edited by Andrew-T on 15/02/2023 at 10:09

Private Heath Insurance - Adampr

In fairness, I rather suspect the 'idle and feckless' deeply resent having to pay half of their income to you in rent so that you can sit in the sun complaining about them and wondering why they don't also have tans.

Private Heath Insurance - sammy1

In fairness, I rather suspect the 'idle and feckless' deeply resent having to pay half of their income to you in rent so that you can sit in the sun complaining about them and wondering why they don't also have tans.

It is a good job that there are in this country a lot of private landlords and companies offering property to rent. The sell off of former council houses has left a big hole in the flats/ houses available for the less well off. There again you have people earning a very good wage living in council houses.

Getting back to private health care, a lot of good employers are offering family private health care as park of their work package. This helps ensure that their employees can get back to work more promptly than waiting for the NHS. As far as treatment is concerned you cannot fault the NHS. It is a great pity that the waiting lists can be so long. For years the NHS as spent billions on so called management consultants with little return. Whatever government is in charge they are afraid to rock the boat in carrying out reforms in both the NHS and the civil service

Private Heath Insurance - Adampr

It is a good job that there are in this country a lot of private landlords and companies offering property to rent. The sell off of former council houses has left a big hole in the flats/ houses available for the less well off. There again you have people earning a very good wage living in council houses.

Getting back to private health care, a lot of good employers are offering family private health care as park of their work package. This helps ensure that their employees can get back to work more promptly than waiting for the NHS. As far as treatment is concerned you cannot fault the NHS. It is a great pity that the waiting lists can be so long. For years the NHS as spent billions on so called management consultants with little return. Whatever government is in charge they are afraid to rock the boat in carrying out reforms in both the NHS and the civil service

Eh? Who do you think bought up all the Council houses, trebled the rent and put them back on the rental market? And all that lovely rent comes out of the benefits bill because there's no affordable housing left after Thatcher sold it all off for buttons.

But, yes, health insurance. I have both a cash plan (pays for optical, dental etc) and insurance (pays for operations etc). The problem is that neither gives you face to face access to a GP. You can have a five minute video call with one when they're on their lunch break but nothing else. You might be able to get a referral from them, but your scan then gets sent back to your GP and overloads them even more.

The main issue that we have is that the NHS is hugely underfunded and collapsing under its own weight. It cannot be simply shut down because there isn't enough capacity in the private sector and the political ramifications would be huge. So, it is being allowed to die a slow death whilst we transition to a private, or paid for, model. That means that there is no infrastructure in either the private or public sector that currently functions as full coverage health service. Eventually. The transition will end, we will pay for treatment and the vulnerable will be c******d or dead.

Private Heath Insurance - Rerepo

The main issue that we have is that the NHS is hugely underfunded and collapsing under its own weight. It cannot be simply shut down because there isn't enough capacity in the private sector and the political ramifications would be huge. So, it is being allowed to die a slow death whilst we transition to a private, or paid for, model. That means that there is no infrastructure in either the private or public sector that currently functions as full coverage health service. Eventually. The transition will end, we will pay for treatment and the vulnerable will be c******d or dead.

Its complete nonsense to say that the NHS is 'hugely underfunded'. It receives huge amounts of taxpayer's money - around £3k per annum for every man, woman and child in the country. This is comparable to other European countries. Throwing more money at the NHS will not improve the service.

As regards me paying for my healthcare, well its about priorities and values isn't it? I paid £24k for an operation in 2008. I was able to choose who I felt was the most capable surgeon and use the best hospital. I prioritise my health. Of course I could have used the NHS and blown the money on a new car instead.

The cheap shot about me being a landlord is also to be expected. I got into property 25 years ago because I could see where the country was heading (rocketing population and not much housebuilding). When others were predicting a crash, I was buying. I keep my properties well maintained and am choosy about who I have as tenants. I provide a public service. Far too many younger people have no financial discipline and will never own their own property for that reason. They blow their money on must-have things like a new leased car, the latest iPhone, gym membership, beer at £6 a bottle....

Private Heath Insurance - alan1302

I provide a public service.

Do you honestly belive that? If it was a public service you would charge a lot less and not be choosy as to who you rent to.

Private Heath Insurance - Adampr

The main issue that we have is that the NHS is hugely underfunded and collapsing under its own weight. It cannot be simply shut down because there isn't enough capacity in the private sector and the political ramifications would be huge. So, it is being allowed to die a slow death whilst we transition to a private, or paid for, model. That means that there is no infrastructure in either the private or public sector that currently functions as full coverage health service. Eventually. The transition will end, we will pay for treatment and the vulnerable will be c******d or dead.

Its complete nonsense to say that the NHS is 'hugely underfunded'. It receives huge amounts of taxpayer's money - around £3k per annum for every man, woman and child in the country. This is comparable to other European countries. Throwing more money at the NHS will not improve the service.

Sorry I should have been clearer; it is underfunded for what it tries to be. As above, it was supposed to provide GPs, ambulances and hospital care. It was never envisaged as a mental health service, or requiring MRI scanners or, yes, hundreds of layers of ineffective management. That's what I meant by collapsing under its own weight.

There now also seems to be this huge focus on not allowing anyone to die. People used to pop off in their seventies but we now seem to be hoarding thousands of elderly people who take no pleasure in life as if they're going to get better. I remember my Grandmother sitting in a chair well into her 90s, barely able to speak or eat, still being kept going. She was exhausted and every day was like torture for her. She just wanted it to stop.

Private Heath Insurance - sammy1

""Eh? Who do you think bought up all the Council houses, trebled the rent and put them back on the rental market? And all that lovely rent comes out of the benefits bill because there's no affordable housing left after Thatcher sold it all off for buttons."""

I think that you will find that the council houses were sold off in the first instance to the sitting tenants at a good discount on their market value. A lot of councils have formed management companies to run their current stocks of houses.

"""But, yes, health insurance. I have both a cash plan (pays for optical, dental etc) and insurance (pays for operations etc). The problem is that neither gives you face to face access to a GP. You can have a five minute video call with one when they're on their lunch break but nothing else. You might be able to get a referral from them, but your scan then gets sent back to your GP and overloads them even more.

With private heath WITHOUT insurance you can get a face to face GP consultation for about £60 if you wish. You can also pay for scans and be referred to a consultant without going through your GP. Your own GP gets a kick back for referring patients to go private.

Private Heath Insurance - Bromptonaut

employers are offering family private health care as park of their work package. This helps ensure that their employees can get back to work more promptly than waiting for the NHS. As far as treatment is concerned you cannot fault the NHS. It is a great pity that the waiting lists can be so long. For years the NHS as spent billions on so called management consultants with little return. Whatever government is in charge they are afraid to rock the boat in carrying out reforms in both the NHS and the civil service

Can you give us some numbers and a timeframe for the bolded bit?

Private Heath Insurance - movilogo

NHS is well funded but badly managed. I have several friends who are NHS doctors. They all agree that

1. Too many managers in NHS who are not adding value and costing a lot.

2. Old age care takes lot of resource.

3. Skill shortage (while doctors are paid extremely well not everyone is well paid) because not enough in country students studying medicine and NHS need to bring professionals from overseas. Doctors earn even more from locums.

4. Private medical workload is less and pay is better.

Private medical is a going to be a problem.

Firstly, not everyone can afford private insurance.

Secondly, they have T&C with lots of exclusions. Lot of people would discover they are not covered only during claim time e.g. something linked to pre-existing condition etc. Insurers will check past history only during claim - not during enrolment process.

Thirdly, once a trend sets to take up private medical, the government would have no incentive to fix NHS. This means NHS will worsen further over time. Once a critical mass moves into private scheme (I don't know what % of population that needs to be) it will be all downhill for NHS.

Insurers won't take old people. They won't refuse but will ask sky high premium which OAPs can't pay. So, insurers will get good health good earners most of whom would be covered via company plan. These people are least likely to claim too.

On contrary, if privatization is banned (won't happen, but let's assume) then rich and powerful people would be forced to use NHS and they would push the law makers to improve the services - thus leading to overall service standard uplift.

Private Heath Insurance - sammy1

""Can you give us some numbers and a timeframe for the bolded bit?

It is common knowledge that the NHS and in this context I mean individual health authorities through out the UK employ their own MCs, There is no joined up thinking. Each authority is run as its own entity where as most of the medical side must have the common purpose within the NHS. With the NHS authorities paying its managers astronomical salaries to run their hospitals why do they need consultants and what have they achieved. If they where so good over say the last 20 years why is the NHS in terminal decline. Any private business would never have got in this mess given the money available

Private Heath Insurance - Andrew-T

If they where so good over say the last 20 years why is the NHS in terminal decline. Any private business would never have got in this mess given the money available.

I suggest that the billions the NHS gets is insufficient to cover the cost of [a] the management pyramid it contains, [b] the vastly expensive diagnostic and treatment equipment each big hospital needs, and [c] the convalescent care that used to be done outside hospitals.

Te original 'business plan' to provide care for all on demand has been overtaken by scientific advance and public expectation.

Private Heath Insurance - skidpan

Who do you think bought up all the Council houses, trebled the rent and put them back on the rental market?

When the Right to Buy Act was brought in by Maggie in the early 80's only sitting tenants could buy the properties. There was a discount from the market value that depended on the time people had been renting (not necessarily that particular house - years in other properties counted), the top discount was 50%. A vast majority of those in this area are still privately owned, easy to spot, the council ones look drab in comparison.

It would have worked better if the Local Authorities had been allowed to spend the receipts from the sales building new houses but Maggie's government would not allow that and in any case a vast majority of the receipts went to central government to pay for the huge bill for Unemployment Benefit which of course resulted form Maggie's policies.

When the Coal Industry was privatised the British Coal houses that had not been bought by the sitting tenants were put into packages that organisations could bid for. A majority of those organisations (or their successors) still let out the properties.

In this area most of the "buy to let" properties are old, run down terraced type that private buyers no longer have any interest in, normally go for £30,000 or less. Its created ghettos in certain areas, visit at your peril.

Private Heath Insurance - Engineer Andy

I'm sure a lot of Germans thought much the same in the early 1930s or former Soviet citizens did when their dictators took over, and look what happened to them.

And proof you need it that no matter what question you pose the Nazis will end up mentioned at some point.

Not worth the effort replying to Andy as you won't ever get an answer, unless you want a lot of waffle and conspiracy theories. I prefer to eat my waffles :-)

Probably because you and your ken can't (without destroying your narrative) rather than don't want to. Too many 'big words' for you as well, I presume? Or maybe that you have had your pills yet?

I prefer porridge - the eating kind. ;-)

Private Heath Insurance - FP

Andy - do enlighten us about this event that will happen in six months' time, which you've asked us to wait for.

Edited by FP on 15/02/2023 at 19:06

Private Heath Insurance - alan1302

I'm sure a lot of Germans thought much the same in the early 1930s or former Soviet citizens did when their dictators took over, and look what happened to them.

And proof you need it that no matter what question you pose the Nazis will end up mentioned at some point.

Not worth the effort replying to Andy as you won't ever get an answer, unless you want a lot of waffle and conspiracy theories. I prefer to eat my waffles :-)

Probably because you and your ken can't (without destroying your narrative) rather than don't want to. Too many 'big words' for you as well, I presume? Or maybe that you have had your pills yet?

I prefer porridge - the eating kind. ;-)

No, I do mean I don't want to - it's not worth my time when you won't reply to questions or give any links to facts.

Private Heath Insurance - Engineer Andy

I'm sure a lot of Germans thought much the same in the early 1930s or former Soviet citizens did when their dictators took over, and look what happened to them.

And proof you need it that no matter what question you pose the Nazis will end up mentioned at some point.

Not worth the effort replying to Andy as you won't ever get an answer, unless you want a lot of waffle and conspiracy theories. I prefer to eat my waffles :-)

Probably because you and your ken can't (without destroying your narrative) rather than don't want to. Too many 'big words' for you as well, I presume? Or maybe that you have had your pills yet?

I prefer porridge - the eating kind. ;-)

No, I do mean I don't want to - it's not worth my time when you won't reply to questions or give any links to facts.

As opposed to yours that 'do'? Works both ways.

Private Heath Insurance - Xileno

I think anything of value has been had from this discussion and it's beginning to get a bit tedious. Time to put it to bed.

Mod