NHS Question

[srw]

One study suggests that the NHS misses out on some 3 Billion pounds a year by not following up on insurance claims and the money to which they are entitled.

Do you have a link? My back-of-the-fag-packet calculations suggest it's quite an extraordinarily large claim to be making.

In round numbers, there are about 50 million drivers in the UK, so that would add £60, or very nearly 10%, to the typical motor insurance premium.

 

[vickster]

Bupa have so far paid out around £16k for my treatment for the accident related injuries (leg and shoulder). In addition to two trips to A&E plus numerous GP appointments. So I guess that could soon add up esp for more serious injuries

 

[ufkacbln]

I quoted one study, but the claims differ:

This is typical however covers the cost in more detail

 

[KnackeredBike]

I quoted one study, but the claims differ:

This is typical however covers the cost in more detail

Company that sells software taking a cut of every NHS insurer claim says that there is lots of free money out there no-one is claiming.

Truth is the NHS has been cut to the bone, all the low hanging fruit is long gone.

 

[ufkacbln]

Do you have a link? My back-of-the-fag-packet calculations suggest it's quite an extraordinarily large claim to be making.

In round numbers, there are about 50 million drivers in the UK, so that would add £60, or very nearly 10%, to the typical motor insurance premium.

£50 - £75

£1000

Even as far back as 2001

 

[KnackeredBike]

It is not my area of expertise but presumably the conversation goes like this.

NHS: You owe us £lots!
Insurer: For what?
NHS: Er... can we disclose your medical information to an insurer?
Patient: Sod off.
NHS: Well, we can't tell you WHAT we did, but I can assure you, it was definitely your fault.
Insurer: Sod off.

 

[fossyant]

I have to refund my employer for my sick pay due to my RTC - OK the other party does, but it took me an age to get them to get the relevant documents together so I could pass them to the solicitor. God knows if the NHS could claim back my costs - over 6 weeks in hospital plus numerous xray, CT and MRI scans - far too many for me to count.

 

[fossyant]

It is not my area of expertise but presumably the conversation goes like this.

NHS: You owe us £lots!
Insurer: For what?
NHS: Er... can we disclose your medical information to an insurer?
Patient: Sod off.
NHS: Well, we can't tell you WHAT we did, but I can assure you, it was definitely your fault.
Insurer: Sod off.

You usually sign a disclosure agreement, so your solicitor has access to all your records, and so does the third party.

 

[User33236]

When the NHS was established the costs arising from road traffic incidents were specifically excluded from coverage. The NHS has always been able to claim back the costs of treatment for a road traffic incident (subject to a cap). Normally this applies only to incidents involving motor vehicles but theoretically could include bicycles In recent years hospitals have been encouraged/required to ask about RTIs more.

This reminds me of when I came off my motorbike back in 1985, a dog sunk its teeth in the front tyre and I went flying!

I attended the local A&E, no ambulance required, and got XRays on both wrists which ended up in plaster. A few weeks later I received an intemised bill for the treatment I received. I forwarded it onto my insurers and let them settle it.

So, yes, it certainly isnt just a recent thing.

 

[fossyant]

I have had letters and stuff I had to sign over 20 years ago from cycling related crashes about claiming. An ambulance call out was one - got hit in the nose by large stone kicked up from a car on the way home, in the middle of no-where, blood pouring out of a large wound, and I had 20 miles to get home. A local home owner phoned an ambulance as I wouldn't have made it... I got a letter, but heard nothing after.

 

[ufkacbln]

When the NHS was established the costs arising from road traffic incidents were specifically excluded from coverage. The NHS has always been able to claim back the costs of treatment for a road traffic incident (subject to a cap) but it tended not to do so. Normally this applies only to incidents involving motor vehicles but theoretically could include bicycles

In recent years hospitals have been encouraged/required to ask about RTIs more and the recovery of costs has been centralised, with insurers required to disclose information.

Only a portion of what the NHS could reclaim though

 

[srw]

£50 - £75

£1000

Even as far back as 2001

That's not an answer to my question. Where is this magical £3bn that the NHS isn't claiming? Because it certainly is claiming quite a lot, and as a concerned citizen I'd be delighted to see the cost of traffic accidents passed back to drivers on the polluter pays principle.

[edit]
The first two links relate to the absolutely mad decision by Liz Truss to change the basis of lump sum settlements earlier this year. The third link talks about the NHS reclaiming about £90m per year. Which is a long way from £3bn.

Another way to express my surprise at the magnitude of your figure is to divide £3bn by 180,000, which is the rough total number of people injured on the roads each year. That would give me a figure of well over £30,000 per injury supposedly available for reclaim. That, by the way, counts all injuries, not just those needing any sort of treatment. Even by US medical cost standards, that's an extraordinary amount.

Since you do repeat your £3bn figure quite a lot, perhaps you'd like to justify it?

 

[ufkacbln]

That's not an answer to my question. Where is this magical £3bn that the NHS isn't claiming? Because it certainly is claiming quite a lot, and as a concerned citizen I'd be delighted to see the cost of traffic accidents passed back to drivers on the polluter pays principle.

[edit]
The first two links relate to the absolutely mad decision by Liz Truss to change the basis of lump sum settlements earlier this year. The third link talks about the NHS reclaiming about £90m per year. Which is a long way from £3bn.

Another way to express my surprise at the magnitude of your figure is to divide £3bn by 180,000, which is the rough total number of people injured on the roads each year. That would give me a figure of well over £30,000 per injury supposedly available for reclaim. That, by the way, counts all injuries, not just those needing any sort of treatment. Even by US medical cost standards, that's an extraordinary amount.

Since you do repeat your £3bn figure quite a lot, perhaps you'd like to justify it?

It was an answer to your question about the levy on insurance premiums, you gave an example of £50, and I gave other examples that wre from different sources of the same calculation.

That was the content of the post, and that is what was answred

I have also referenced the £3 Bn previously, so what else do you actually need?

 

[Drago]

My nacked shoulder is being fixed at a private clinic, courtesy of insurance through Police Mutual, and the speed of pre-op examination, x-rays, diagnosis, and health check were staggering. I don't know what it costs but I suspect it ain't cheap, and had it been an injury as a result of a coming together with a motorist I reckon the bill would go beyond £10,000 with the op thrown in.

That said, the new lady GP has been brilliant, not to mention spot on with her original diagnosis. She's also about thirty and looks absolutely gorgeous, so being injured has turned into quite a pleasurable experience.