Reply to: Bupa

[malvolio]

It's simple. Sign up with BUPA, tell them you're a PCG member (which they will check with the office), 25% of the standard fee via the group discount scheme. Details on the website, provided you've logged in and can find it* in the depths...



*We're getting it redesigned apparently, so we can find things. Can't wait!

[DimPrawn]

I'm with WPA and they were very cost effective - haven't had to claim yet but have been impressed with all the dealings with them so far.

They are also the company that the PCG discount is arranged with.

I've claimed. It was easy, done over the phone, all agreed and paid for direct to the provider, including MRI scans and visits to specialists.

[Fishface]

I can't see a link to Bupa from the PCG website. There is a link to AXA health insurance from the benefits page, but nothing else, as far as I can see.

no, there is a link to the offer but says you have to log in to view the offer.

Anybody out there knows what the deal is?

[Cheshire Cat]

Question:

is the PCG BUPA discount of 25% a worldwide cover including the USA?

I can't see a link to Bupa from the PCG website. There is a link to AXA health insurance from the benefits page, but nothing else, as far as I can see.

[Fishface]

Question:

is the PCG BUPA discount of 25% a worldwide cover including the USA?

[kali]

I'm with WPA and they were very cost effective - haven't had to claim yet but have been impressed with all the dealings with them so far.

They are also the company that the PCG discount is arranged with.

[VectraMan]

Isn't there a 35% discounted PCG scheme with somebody else?

I've been meaning to do this for ages too. The WPA one looks good, if only because they aren't afraid to tell you the price on the website (£20 per month if you're 36 like me).

[Cheshire Cat]

PCG members get a 25% discount...

with BUPA?

[MrRobin]

BUPA have a IT contractor's scheme which is cheaper than the regular scheme.

WPA have a self employed scheme which is cheaper than the regular scheme

[malvolio]

PCG members get a 25% discount...

[Platypus]

I run a limited company.
I want BUPA health insurance.
What's the most tax/cost efficient way of doing this?
Does it make any difference if I pay for it, out of my personal bank account, and claim as an expense, or if my company pays for it, from the business account? Is it a BIK either way?

BUPA have a IT contractor's scheme which is cheaper than the regular scheme.

[DimPrawn]

Sorry to hijack the thread, but is BUPA the best one to go with? Last year junior b0redom arrived, and I've been meaning to set up a family health insurance policy.....

WPA mate.

[b0redom]

Sorry to hijack the thread, but is BUPA the best one to go with? Last year junior b0redom arrived, and I've been meaning to set up a family health insurance policy.....

[DimPrawn]

I run a limited company.
I want BUPA health insurance.
What's the most tax/cost efficient way of doing this?
Does it make any difference if I pay for it, out of my personal bank account, and claim as an expense, or if my company pays for it, from the business account? Is it a BIK either way?

http://www.wpa.org.uk/ are superb. No quibbles, no excess, 100% rating from me.

As a not for profit company with a heritage of over 100 years you can be confident that on joining WPA the fair treatment of customers is central to our culture and our customers testify to this.

[Nixon Williams]

I run a limited company.
I want BUPA health insurance.
What's the most tax/cost efficient way of doing this?
Does it make any difference if I pay for it, out of my personal bank account, and claim as an expense, or if my company pays for it, from the business account? Is it a BIK either way?

If the contract is in your company name then you will only be liable for tax as a Benefit In Kind (BIK). However if the contract is in your name and your company foots the bill, then not only will you be liable for tax on the BIK you will also be liable for NIC.

In both cases the company would be liable for NIC at 12.8%

The other point to consider is that company schemes are often more expensive than a private scheme, so do the comparison before you decide which way to go.

Generally keeping it private costs less after all things are considered.

Alan