Health, Fitness & Beauty

Top-up is it really necessary

pandj writes in Health, Fitness & Beauty

Hi,, Is top-up insurance really necessary?. I have been told / heard if you have an accident and go to hospital by ambulance its all paid for. If you have cancer its paid for or is this not true.? It doesn;t really cover dentist or opticians either.

Thanks for any replies

Posted on: 08/07/2012 at 22:08

It isn't necessary until you need it and then if you don't have it it is too late.

We don't have it and maybe the savings will pay for the time when we might have wanted it, or not.

Posted on: 08/07/2012 at 22:34

I am retired, do I need to pay top up for hospital cover. I have been told the UK goverment will pay for it, not sure this is true.

I have cover which I have used but do not wish to continue pay it if the UK will pay.

Posted on: 08/07/2012 at 23:04

Not had it for the three years we have been here then started with pain under my ribs to the point i knew something was wrong. Got my topup sorted and its a good job too as after scans and a visit with the surgeon which all cost i have gallbladder disease and surgery a week tomorrow. like the other post says if you dont have it when you need it its to late. if i didnt have it i would be looking at a couple of grand and if all doesnt go to plan even more.

Posted on: 08/07/2012 at 23:07

As I understand it, the state only pays about 70% of most health bills. (assuming you are covered by the state scheme). Also, the reimbursements are based on the state's opinion of what the service should cost, so if the service provider charges 3 times this, you may only get reimbursed 70% of a third of the cost. For example, the state reckons a dental crown should cost 74 Euros. The dentist charges you 350. The state reimburses 70% of 74 Euros, so you end up paying around 300 Euros. Or if you can't afford it, you lose the tooth.Many top specialists and surgeons charge 4 times the state rates, so you may end up waiting ages, or having to accept poorer care if you don't have money or insurance.Having said that, many long term life changing illnesses are covered 100%, and car insurance covers care after road accidents.
As has been said, and like all insurance, on average you gain by not having insurance. On average. If you are unlucky, you might really suffer through not having it. Or you might pay it all your life and never suffer a days ill health. Companies set premiums so that average claims are less than average premiums, the difference is their profit, and tax.
So, do you feel lucky? Well, do you?

Posted on: 08/07/2012 at 23:48

hi

i had an accident that shattered my leg and a fracture to the skull spent time in hospital then months of daily nurse, physio,hospital outpatient visits, equipment, medicines and dressings uk paid two thirds of the cost but my insurance paid the rest if i had had to pay it would have cost me about 14000e my insurance costs about 700e a year i assumed that as i had claimed the insurers would put the premium up the next year but the insurance man was horrified i had suggested it, said that that was what insurance was for and the premium would only ever increase because of age have also had small claims over the years for minor illnesses, dental treatment (free for basics-major work costs something but much cheaper than uk) so really is worth every euro

Posted on: 09/07/2012 at 06:14

Content Sponsor

Bupa Global

This Winter, get a FREE quote for worldwide health cover for you and your family: 24 hour...
Find out more...

AXA PPP

We have over 40 years of experience insuring the health of expatriates worldwide. Our plans have...
Find out more...

privatepropertysellers.com

privatepropertysellers.com
Find out more...

Become Member List your Business Blog For Us

Health Insurance Quote



Featured Information

Useful Contacts

Useful Contacts

Find out about services and government organisations that play a part in moving to France.

Read more...
Schooling & Education

Schooling & Education

Find out about the French and the international primary, secondary and university school systems.

Read more...

Content Sponsor

Bupa Global

This Winter, get a FREE quote for worldwide health cover for you and your family: 24 hour... Find out more...

privatepropertysellers.com

privatepropertysellers.com Find out more...

Swiss Life

Specialists in car, home, and life insurance cover for expats living in France. Our British... Find out more...

What's On

Golf Lessons

Golf lessons with an English speaking professional on Friday mornings at Manoir de Longveau. Children are welcome. For more information telephone: 05 45 98...

More Details
AngloINFO needs your vote!
Vote for AngloINFO as Best Expat Website

Complete
The Expat Survey 2014
and vote for AngloINFO
on the final page