• Please Remember: Members are only permitted to share their own experiences. Members are not qualified to give medical advice. Additionally, everyone manages their health differently. Please be respectful of other people's opinions about their own diabetes management.
  • We seem to be having technical difficulties with new user accounts. If you are trying to register please check your Spam or Junk folder for your confirmation email. If you still haven't received a confirmation email, please reach out to our support inbox: support.forum@diabetes.org.uk

Best Private health insurance for people with diabetes and rough cost

zahid.khan

zahid.khan

New Member
Relationship to Diabetes
Other Type
Pronouns
He/Him
Can someone please advise on which one is better. I recently moved from France
 
Yes i am uni lecturer/ researcher. I tried some regular health and mortgage insurances via comparing websites. but they brutally refused to cover me because of some pending blood test results.
 
Inka said:
Have you checked if you’re entitled to treatment on the NHS? Did you pay the Health Surcharge on your visa?:

www.gov.uk

Pay for UK healthcare as part of your immigration application

Find out if you need to pay the immigration health surcharge as part of your visa or immigration application.
www.gov.uk www.gov.uk

.
Click to expand...
Thanks , i am with NHS but have very rare sub type T2 disease. It needs constant appointments and my current endocrinologist will see me only once a year. I need once a month appointment,
 
Ah, ok. In that case, I think you would need to look at private appointments with a consultant (private = not under the NHS and which you pay for). Perhaps you could first speak to your consultant and see if they do private appointments or, if not, if they could recommend somebody. You’ll then be able to see how much a private appointment would cost.

There are various companies that offer private health insurance in the U.K. Most residents here don’t use them because we have the NHS and because they’re not cheap. You could ask for a quote from a few companies.
 
zahid.khan said:
Yes i am uni lecturer/ researcher. I tried some regular health and mortgage insurances via comparing websites. but they brutally refused to cover me because of some pending blood test results.
Click to expand...

Pre-existing conditions often aren’t covered, or, if they are covered they make the insurance very expensive.

You could try an insurance broker (a person who deals with insurance) and get advice from them maybe.
 
To add - if you want to see them every month, then to get health insurance to cover that would be expensive. People usually use health insurance to be seen quicker rather than to set up regular and frequent appointments. It might be cheaper to simply pay each month as a private patient.
 
zahid.khan said:
Thanks , i am with NHS but have very rare sub type T2 disease. It needs constant appointments and my current endocrinologist will see me only once a year. I need once a month appointment,
Click to expand...
Zahid, my suggestion to you would be to investigate private health insurance via your employer. They may have an affiliate scheme where the risk is underwritten based on the whole membership, rather than individual members.

My feeling is, in an individual basis you will not be able to secure the levels of cover you want. As others have said, pre-existing conditions are usually not covered, or if they are after a moratorium period, which often involves no active treatment.

I'm resisting asking you any further questions about your condition, except that someone on this huge group might have similar traits or requirements and be able to help you navigate our systems and processes.
 
@zahid.khan what you have described is not my understanding of health insurance.
Insurance protects you against a possible eventuality whereas you already have that "eventuality" and need private healthcare. As your needs are already known, it is unlikely an insurance provider will help.

The suggestion from @Inka to talk to your NHS consultant for a recommendation sounds like a good place to start.
 
I too wonder if the hive mind of the forum might provide you with the support you need and negate the need for monthly appointments or guide you towards other options that would support you instead of those appointments.
I think the question would be, what you gain from those appointments. I very much doubt we have any members here who are able to get seen even half so frequently for diabetes support unless they are very newly diagnosed and generally after 6 months they go on to 6 monthly appointments.

Would you like to tell us a bit about your diabetes. Things like how long you have been diagnosed and how that diagnosis came about and what if any medication and or tech you use to manage it. Apologies for all the questions. Please feel free to ignore any or all of them.
 
Here’s the OP’s original thread:

zahid.khan

Thread 'Hyperinsulinemia With Type 2 Diabetes'

Hyperinsulinemia (means the amount of insulin in the blood is higher than what's considered healthy).

Is anyone else with the same problem?

It is very rare to have both, but here we are. Need urgent Info

@zahid.khan I hope it’s not a personal question, but why do you need to be seen monthly? Do you get blood tests each time? Are they still trying to identify your problem? Or is it just an appointment to see how you’re going with your diet, etc?

What’s different about your hyperinsulinemia compared to other Type 2s?
 
Thinking about monthly endo appointments, if you need those then it might be most credible to just pay our of your pocket.

My Endo's rate is £350 for the initial consultation, then £150 thereafter. That does not include any blood tests or investigation, which would be additional costs.

I am not in London, but in the Midlands, and costs do vary by consultant and where they are. My Endo is a professor, so no minion.
 
You must log in or register to reply here.
Back
Top