The Retirement Thread
1 lurker |
172 watchers
Mar 2024
6:01pm, 19 Mar 2024
3,145 posts
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Flatlander
I never had critical illness cover when I was working and I don't now. I've never had health insurance because I was always so fit healthy. After I retired, the health problems started piling up, and when I had AF that was the only time I paid to have private treatment, DCCV. The AF was so debilitating and exhausting that I could very little, and I couldn't face 6 months waiting for NHS treatment. I'm now even older  with several health problems, but at the moment I still don't think private health insurance is worth it for me because it would probably be extremely expensive. For something debilitating, as with the AF, I could pay for it out of my savings. It goes against my principles, but that is how things are now.
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Mar 2024
7:17pm, 19 Mar 2024
26,466 posts
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Bazoaxe
I have health insurance from work. Mrs Axe has made good use of it, but I barely have. I did have one MRI when a bad physio told me my knee was fecked. MRI proved it wasnt. I hvave wondered about should I take it out on retirement of just trust in the NHS |
Mar 2024
8:05pm, 19 Mar 2024
1,765 posts
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Daz Love
I have Private via work that they pay in full for us. States that it would cost £73.50 howevever we do have to pay 15% of cost (upto a max of £200 in a rolling 12 months) I recently had an MRI scan on my injured foot, cost was £550 (crazy really) and I paid £82.50. I can up the cover to 'Premier Plus' and remove the 15% and that would cost me £28 per month. I can add partner onto my policy for an extra £83.50 per month (with 15% excess) that would be £116 extra if on the Premier Plus. So what I am trying to say is cost would be £116 per month for a policy without any excess, which seems to be pretty much going rate give or take. I have always found them excellent and never question anything. Had loads of Physio over the years (you get 10 sessions pretty much without question), I have used the Private GP once (appt was next day) and found that good. |
Mar 2024
8:06pm, 19 Mar 2024
74,764 posts
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Lip Gloss
My ex had private insurance through his work so I made use of it for my gall bladder op and my breast scare a couple of times. Don’t have any now
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Mar 2024
9:01pm, 19 Mar 2024
4,341 posts
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Bob!
How much was the DCCV if you don't mind Flatlander I'm struggling with AF currently |
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Mar 2024
9:16pm, 19 Mar 2024
3,146 posts
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Flatlander
Bob! without checking, I think it was about £1,500 6 years ago, but I live in an expensive area. You have my sympathy with the AF. |
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Mar 2024
8:21pm, 20 Mar 2024
26,470 posts
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Bazoaxe
The lady who sits behind me retired today. Coincidentally when she started about 35 years ago she worked beside Mrs axe.
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Mar 2024
10:04am, 21 Mar 2024
52,770 posts
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EvilPixie
anyone know if there is any considerations to cashing in a stocks and shares ISA? Is it something you can take bits out of or do you have to close it to access it? and once you have the money would you then be taxed? I'm assuming not as that's the point of an ISA isn't it? interest but not tax? |
Mar 2024
10:26am, 21 Mar 2024
7,434 posts
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bigleggy
As far as I know , you can take money out of an ISA without any consequence. But you can't put it back in without consequence So for example, if you have maxed your ISA Allowance and take 5,000 out. You can't put 3,000 back in because you didn't use it. Also, if you've only used 5,000 and withdraw it, if you then put it back in you'll have used 10,0000 of your allowance. You can re-invest or withdraw dividend income from a S&S ISA without paying Income Tax I believe. Hope that makes sense |
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Mar 2024
10:29am, 21 Mar 2024
52,772 posts
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EvilPixie
fab!
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CumbriAndy Useful Links
FE accepts no responsibility for external links. Or anything, really.- Money Helper
- How Much is Enough to Retire On?
- Retirement Living Standards
- How much will you need to retire?
- Free Govt website for pension advice
- SIPP pensions
- ISAs
- Check your National Insurance contributions
- Check your state pension account
- Martin Lewis on pensions
- Support and advice for those widowed under the age of 50
- Power of Attorney information
- Making the most of your retirement
- 20 tips for a happy retirement
- Married Couple's Allowance
- Aviva guide to retirement planning
- U3A
- U3A Local Sites - map
- Make a Power of Attorney
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