Private health insurance

**Phoenix** · 25 July 2006, 11:43

It might help more than mentioning Badgers Armpit!
For which I doubt there is a cure

**Lucifer Box** · 25 July 2006, 11:45

Standard Life are uniquely offering to "transfer" your existing policy, i.e. you don't commence another 2-5 year moratorium period on changing supplier.

They are not the cheapest but are very far from the most expensive. Don't use them myself so cannot warrant their claims procedure.

Previously used AXA PPP myself but their premiums are now completely loony and have switched to Freedom.

**Badgers Armpit** · 25 July 2006, 11:51

My current co used to be with PPP but changed to BUPA. Could do with a firm that don't worry about previous claims. I've had a couple of bionic knees done (ok, ACL's to be more precise) on the current policy.

I'll have a look at standard life, cheers. Also hoping that BUPA can sort something out in relation to the current work policy.

**Lucifer Box** · 25 July 2006, 11:54

I believe Standard Life are the only PHI provider who will carry out a policy transfer and cover pre-existing conditions from the word go (hence they are not anywhere in the running for a "value" policy). If it is essential to you that your existing claims continue to be covered your only options are Standard Life or come to an arrangement with BUPA.

**Ruprect** · 25 July 2006, 12:01

[QUOTE=Badgers Armpit]I guess I can claim this back somehow on my Ltd company, but the accountant can sort that out.
QUOTE]

AFAIK this is a taxable benefit so you don't gain too much (at all?) from doing it through the company. I asked the same question a while back and have subsequently just done it from my personal funds since. Need to check though. I'm sure you'll find more threads on this if you search.

**Lucifer Box** · 25 July 2006, 12:02

Yes, it is a BIK and you will pay tax on the amount of the benefit if YourCo provides it.

Private health insurance