Woefully slow day

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Re: Woefully slow day

Post by taipan on Tue 23 Oct 2012, 20:48

Um, yes and no Clam. Over here the state medical care is so bad you have to go private if possible. So to facilitate this we have what we call medical aids (insurance). Typically you will pay half and the company will pay half. Although many companies are phasing this out, but that is a different story.

Noe within the medical aid there are different schemes you can choose depending on how much you want to pay. On my scheme you get an allowance of so much called savings that you can use to pay regular medical expenses such as medicine, doctors and dentists. Hospital care is paid in full. The problem comes when your savings are finished for the year, at which stage you have to bear the costs yourself. The wise amongst us try to minimise your standard medical expenses so the savings don't run out. The upside is that unused savings get carried over to the following year. This is the short reason why I don't want to piss money out on unnecessary root canals.

The really scary part comes when you have to retire.
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Re: Woefully slow day

Post by Brass Monkey on Tue 23 Oct 2012, 20:56

Bejillikerd! I say, damn cosy over here.
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Re: Woefully slow day

Post by taipan on Tue 23 Oct 2012, 20:58

Yeah, and there's continual bitching about the NHS.
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Re: Woefully slow day

Post by Guest on Tue 23 Oct 2012, 21:06

taipan wrote:Um, yes and no Clam. Over here the state medical care is so bad you have to go private if possible. So to facilitate this we have what we call medical aids (insurance). Typically you will pay half and the company will pay half. Although many companies are phasing this out, but that is a different story.

Noe within the medical aid there are different schemes you can choose depending on how much you want to pay. On my scheme you get an allowance of so much called savings that you can use to pay regular medical expenses such as medicine, doctors and dentists. Hospital care is paid in full. The problem comes when your savings are finished for the year, at which stage you have to bear the costs yourself. The wise amongst us try to minimise your standard medical expenses so the savings don't run out. The upside is that unused savings get carried over to the following year. This is the short reason why I don't want to piss money out on unnecessary root canals.

The really scary part comes when you have to retire.

Is the long explanation that it's so savagely painful? Very Happy

So you pay the full price for all treatments, but some of that money is funded by your work? I didn't realise a root canal cost so much... this kind of thing must mount up quickly.

Thanks for explaining this.

We take what we get for granted... sad....

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Re: Woefully slow day

Post by taipan on Tue 23 Oct 2012, 21:15

Let me try and explain it a bit differently

Say my medical aid costs 4k a month. I pay 2k and the company pays 2k. That comes to 48k pa. For that I get 20k savings that I can use as I see fit. But once it's finished it's finished. The balance is a form of insurance against hospital costs which really are Farking expensive.
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Re: Woefully slow day

Post by Brass Monkey on Tue 23 Oct 2012, 21:20

taipan wrote:Yeah, and there's continual bitching about the NHS.

Well, the Tories are blatantly trying to privatise, so maybe I'll get to find out what it's like.
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Re: Woefully slow day

Post by taipan on Tue 23 Oct 2012, 21:22

Yeah, we'll my problem is that when I retire I will have to fund the company's share as well.
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Re: Woefully slow day

Post by Guest on Tue 23 Oct 2012, 21:23

taipan wrote:Let me try and explain it a bit differently

Say my medical aid costs 4k a month. I pay 2k and the company pays 2k. That comes to 48k pa. For that I get 20k savings that I can use as I see fit. But once it's finished it's finished. The balance is a form of insurance against hospital costs which really are Farking expensive.

Is the balance not carried over with savings if you don't use it then?

And if you retire you get no more going into the pot?

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Re: Woefully slow day

Post by Guest on Tue 23 Oct 2012, 21:24

No, i just see that you say you have to fund it all on retirement.

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Re: Woefully slow day

Post by Brass Monkey on Tue 23 Oct 2012, 21:25

taipan wrote:Yeah, we'll my problem is that when I retire I will have to fund the company's share as well.

Do you have to have a medical before you get insurance? Could you just renew it when you get sick?

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Re: Woefully slow day

Post by taipan on Tue 23 Oct 2012, 21:30

Klämmssøn wrote:
taipan wrote:Let me try and explain it a bit differently

Say my medical aid costs 4k a month. I pay 2k and the company pays 2k. That comes to 48k pa. For that I get 20k savings that I can use as I see fit. But once it's finished it's finished. The balance is a form of insurance against hospital costs which really are Farking expensive.

Is the balance not carried over with savings if you don't use it then?

And if you retire you get no more going into the pot?

The balance is carried over which is why you try not to waste it. Some clowns go to the doctor at 200 a pop because they have a cold. I just self medicate.

When I retire I will have have to pick up the full whack of 4k out of retirement income. It scares the living shit out of me.
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Re: Woefully slow day

Post by Guest on Tue 23 Oct 2012, 21:35

Brass Monkey wrote:
taipan wrote:Yeah, we'll my problem is that when I retire I will have to fund the company's share as well.

Do you have to have a medical before you get insurance? Could you just renew it when you get sick?


That's my insurance plan.

Break leg.

Get insurance.

"Break leg"

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Re: Woefully slow day

Post by taipan on Tue 23 Oct 2012, 21:36

Brass Monkey wrote:
taipan wrote:Yeah, we'll my problem is that when I retire I will have to fund the company's share as well.

Do you have to have a medical before you get insurance? Could you just renew it when you get sick?


Normally the company joins one set medical company. You have to fill in a questionnaire about your prior medical history. If you BS they can refute for claim so it's stupidity. They can call for a medical if they want. If you rejoin there is a 3 month waiting period,
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Re: Woefully slow day

Post by Brass Monkey on Tue 23 Oct 2012, 21:37

Klämmssøn wrote:
That's my insurance plan.

Break leg.

Get insurance.

"Break leg"

Very Happy Don't they have the NHS in Yokelsville, Bucks?

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Re: Woefully slow day

Post by Brass Monkey on Tue 23 Oct 2012, 21:40

taipan wrote:
Normally the company joins one set medical company. You have to fill in a questionnaire about your prior medical history. If you BS they can refute for claim so it's stupidity. They can call for a medical if they want. If you rejoin there is a 3 month waiting period,

So it's basically a 'keep going in case my cock drops off' type thing.
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Re: Woefully slow day

Post by Guest on Tue 23 Oct 2012, 21:40

Brass Monkey wrote:
taipan wrote:Yeah, and there's continual bitching about the NHS.

Well, the Tories are blatantly trying to privatise, so maybe I'll get to find out what it's like.

I think that public services should be run by the government. This is what taxes are for. Governments exist to protect their citizens, and provide services at a national level that can't be run on a smaller scale, surely? Why should we allow money to be made out of what are services for the benefit of us all?

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Re: Woefully slow day

Post by taipan on Tue 23 Oct 2012, 21:45

Brass Monkey wrote:
taipan wrote:
Normally the company joins one set medical company. You have to fill in a questionnaire about your prior medical history. If you BS they can refute for claim so it's stupidity. They can call for a medical if they want. If you rejoin there is a 3 month waiting period,

So it's basically a 'keep going in case my cock drops off' type thing.

Basically. If you want to hear the really scary part is that when I retire it be be over 6k a month. To fund that I will need 1m in the bank.
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Re: Woefully slow day

Post by Guest on Tue 23 Oct 2012, 21:48

Brass Monkey wrote:
Klämmssøn wrote:
That's my insurance plan.

Break leg.

Get insurance.

"Break leg"

Very Happy Don't they have the NHS in Yokelsville, Bucks?


Actually they closed my local A&E Very Happy

It's fine, though, because the closest one is now only 15 miles away.

And I won't be needing treatment, I haven't been to the hospital any more than twenty times for injuries in my entire life, and my knee definitely isn't made of a half-eaten, soggy pot noodle Very Happy

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Re: Woefully slow day

Post by Brass Monkey on Tue 23 Oct 2012, 21:50

Klämmssøn wrote:
I think that public services should be run by the government. This is what taxes are for. Governments exist to protect their citizens, and provide services at a national level that can't be run on a smaller scale, surely? Why should we allow money to be made out of what are services for the benefit of us all?

Exactly the point. This whole 'market in the NHS' bullshit is beyond the pale. Contracts for over 400 NHS services were signed just a few weeks ago, tendered to private providers of those services. Worth around £250 mill. Another £750 mill. I'm not sure why anyone thought it would be any different under this government.
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Re: Woefully slow day

Post by taipan on Tue 23 Oct 2012, 21:51

Klämmssøn wrote:
Brass Monkey wrote:
Klämmssøn wrote:
That's my insurance plan.

Break leg.

Get insurance.

"Break leg"

Very Happy Don't they have the NHS in Yokelsville, Bucks?



Actually they closed my local A&E Very Happy

It's fine, though, because the closest one is now only 15 miles away.

And I won't be needing treatment, I haven't been to the hospital any more than twenty times for injuries in my entire life, and my knee definitely isn't made of a half-eaten, soggy pot noodle Very Happy

20 times? What the hell for?
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Re: Woefully slow day

Post by Brass Monkey on Tue 23 Oct 2012, 21:52

taipan wrote:
Basically. If you want to hear the really scary part is that when I retire it be be over 6k a month. To fund that I will need 1m in the bank.

Wowzer... get saving man. Either that or learn medicine and get yourself a hooky prescription drug dealer.
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Re: Woefully slow day

Post by Brass Monkey on Tue 23 Oct 2012, 21:52

taipan wrote:
Klämmssøn wrote:
Brass Monkey wrote:
Klämmssøn wrote:
That's my insurance plan.

Break leg.

Get insurance.

"Break leg"

Very Happy Don't they have the NHS in Yokelsville, Bucks?



Actually they closed my local A&E Very Happy

It's fine, though, because the closest one is now only 15 miles away.

And I won't be needing treatment, I haven't been to the hospital any more than twenty times for injuries in my entire life, and my knee definitely isn't made of a half-eaten, soggy pot noodle Very Happy

20 times? What the hell for?

Aye, what for? Don't tell me you were part of some injury racket?
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Re: Woefully slow day

Post by taipan on Tue 23 Oct 2012, 21:55

Brass Monkey wrote:
taipan wrote:
Basically. If you want to hear the really scary part is that when I retire it be be over 6k a month. To fund that I will need 1m in the bank.

Wowzer... get saving man. Either that or learn medicine and get yourself a hooky prescription drug dealer.

And that's before food, electricity etc. will probably need about 8m. No government pension here.
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Re: Woefully slow day

Post by Brass Monkey on Tue 23 Oct 2012, 21:57

taipan wrote:
And that's before food, electricity etc. will probably need about 8m. No government pension here.

I have a suggestion - become a part of an injury racket.
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Re: Woefully slow day

Post by Guest on Tue 23 Oct 2012, 22:03

Loads of things man, most injuries as a kid, although I did set fire to some things accidentally at work once, that was quite funny in hindsight, lit some ethanol by mistake... quite flammable Very Happy

And they let me work with ether and all sorts of other flammable and otherwise dangerous chemicals, I don't know what they are thinking.

Mysterious knee injury though, been a lot for that.

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