I’ve been out of country for a few years and want to restart private health when I get back (if I make it back).
I think I’m okay with Bronze or Silver hospital but need decent extras as Physio, massage, dental and optical are things I really make use of.
Before I left I was with myOWN (who provided AIA Vitality) but they since have closed access for new members and it seems AIA are selling their own coverage directly. Is anyone using them?
There’s so many insurers now, I have no clue who is who lol.
Is there any insurer you recommend? Either for value, price, ease of use etc?
Thanks in advance!
I have been doing some serious diving into PDS' and looking at what has the best value and surprisingly found that AIA's Silver Hospital Classic and Standard Extras With AIA Vitality or Bronze Plus Hospital Everyday and Standard Extras with AIA Vitality offerings were best if you were wanting AIA and would be able to maximise it. This is because obtaining silver status (extremely easy) refunds your hospital excess, gets you 5% discount on premiums, plus an extra 10% refund on extras. That doesn't even include the vouchers and gym discounts associated with AIA.
If you aren't much for the AIA route then BUPA seems to be the best with their Silver Plus Essential Hospital with Your Choice Extras 60 offering - mainly because BUPA offer loyalty bonuses for their extras. So the longer you stay with them, the higher your extras limits are.
For me I wanted to include joint replacement where possible, and decent allowances for physio, dental, optical and RMT.
Definitely dive into the PDS' yourself to make sure for yourself but this is probably my options to choose from now.