Monthly Archives: December 2017

PARAnews December 2017 is now available

PARAnews December 2017 is now available on this web site, on the Read PARAnews page.

Click here to go there




PARAmedic 2017 medical insurance report + Annex

FROM BRIAN CHERRIE on 27 November 2017

Dear Member

Please click here to download the main report from the PARA team who have been developing an updated PARA private medical insurance (PMI) report.

As you may recall from PARAnews articles and from last year's member survey communications, the updated PMI guide has been produced in response to members asking for updated information on private medical insurance (2002 was the previous PARA PMI report).

There were two work streams in the review:

  • The survey of members to gain insight into people's experiences, cautionary tales and positive experiences.
  • Following analysis and informed by members’ experiences, a market survey of PMI providers.

The member survey ran during October 2016 and was completed by 141 members.  Many thanks to those who took the time to answer the survey and to provide detail on providers, costs and personal views.  The member input provided a solid foundation of facts on providers, costs and feedback from members on their experience of PMI, NHS care and self-insurance to fund private medical care.

We conducted the market survey for PMI through a combination of internet research, contact/visits with insurance brokers and material from the major UK PMI providers. We are working on the analysis of the major PMI provider plans and the annex mentioned in the main report will be available shortly for members who request it.

We hope that members find the report useful.  Please feel free to contact any of the team if there are any questions.

Best regards
Brian Cherrie on behalf of
Brian Cherrie, Ian Thomson, David Roffey and Keith Smurthwaite

(Extra comments below from Brian Cherrie added 4 December 2017)

Dear Member

A number of our members have requested a copy of the Annex to the recently published medical insurance report.  The Annex provides a summary of the plans, core cover, options and premium topics (initial discounts, excesses / co-payments, premium reduction options and no claims discount approaches) for five major UK PMI providers (BUPA, AXA PPP Healthcare, Aviva, Vitality and WPA).

We have not been able to document enough premium pricing for each provider to enable a meaningful side-by-side comparison of premiums.  As discussed in the main report, all the major PMI providers use a similar “pick and mix” menu pricing approach and offer options to reduce premiums (including excess/co-payments, NHS 4/6 week wait, reduced choice of hospital).

As a side note, one of our members has discovered that your premium can depend on your postcode!  Ian moved house in August – half a mile, along a road through fields, to another village with a different post code.  Because of that, his premium was reduced by £40 a month!

If you need professional advice, want to change your plan, or just want to talk it over, you should discuss your individual situation with an intermediary (such as Private Medicine Intermediaries, Drewberry, Heritage Health and many more).

We hope that you find the market analysis useful.  Please feel free to contact any of the team if there are any questions.

Please click here to download the Annex.

Best regards
Brian Cherrie on behalf of
Brian Cherrie, Ian Thomson, David Roffey and Keith Smurthwaite




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