Recently started a new job, and one of the benefits is BUPA 100% paid for by the company.
I was quite keen on opting in because having a cardiac history (4 MIs almost 5 years ago) one of my pain points with the otherwise brilliant NHS that saved my life is waiting times for referrals to cardiologists, etc. Despite having to go to A&E almost a dozen times with frightening symptoms over the course of 3 years that no-one could explain, it took a random GP to recognise that something wasn’t right and that I needed a referral. I was able to see a wonderful cardiologist who referred me for an angiogram, but despite him saying that it was quite urgent, my estimated wait time of 10 weeks ended up being over 8 months. The angiogram discovered that my symptoms were caused by a > 50% blockage in OM1. I was stented in September last year, and have been on the mend since.
Back to BUPA being the end of my referral woes, I was a bit dismayed to read online that they won’t even cover me for pre-existing conditions. I can totally understand that as an insurer I’d present a guaranteed risk (even if I never have another cardiac event), so they wouldn’t be keen.
So, is there any point in me opting in with the above in mind?
I understand your disappointment, but suggest you take advantage of the free offer, as supposing you needed a hip or knee replacement or any unrelated to the heart treatment you would be covered. It is a generous offer, you have nothing to lose.
Thanks for the response. I guess given my cardiac history, I’ve almost convinced myself that it’s the only thing that could possibly affect me going forward.
So my cover for other stuff won’t be void because of my heart issues?
I doubt it, if it specifies pre existing conditions are not covered. Assume it would be like holiday/travel insurance but check it out with the provider for clarity.