Have to say, my ex-husband 's employers ran a PMI scheme - free for employees, they paid a bit extra to include spouses and children, no questions asked, no moratorium! so my hysterectomy was done by BUPA and the hospital charged an all in rate of ??? a few hundred a day plus a flat fee of a couple of thou for the op, and that was that.
Since I throw up after GAs I didn't eat or drink (except water) for 7 days, but of course needed more nursing than the average, so I expect it was swings and roundabouts.
I was truly hacked off with not enjoying fresh salmon and new potatoes followed by strawberries and cream etcetera but I did get excellent nursing care and never had to ask for anything that wasn't brought immediately and without fuss - if they hadn't brought it in unasked, cos they realised I was going to need it soon. Brilliant. It wasn't a traumatic experience at all !
But I think by now all the insurers have caught on that they don't know what they are getting when they quote for a scheme like that, with either the employees or the rest of them, so they are asking more and more questions. Like buying a pig in a poke. The only way you can make it pay is to set up a scheme that someone throws some money at, and you hope the ones who never claim will offset the ones that do. The NHS however proves that they don't.
(Unless of course, there's a layer of people on the gravy train who contribute nothing to offset their own costs .......)
It is a mad way to try and run a scheme, isn't it? to be fair!
