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He is talking shite. End of story.
i also know people who were paid £2 an hour before min wage was introduced.
Because it is a far more unlikely claim.
ever worked for mcdees when my mate was 17 he was being paid £3.27 an hour cause there was no minumum wage for 17yr olds at time, there were people his age doin his job full time.....
Might I suggest Nike as an example...
So, firstly, at the point of emergency care, how do you distinguish "genuine hardship", or do we give everyone the best possible healthcare and then charge them later?
Secondly, the "basic safety net". How will this be funded?
Not quite then end.
If these services aren't provided by the NHS, who will you find to do it?
There is a reason that private hospitals don't currently offer these services (even to people already with insurance), perhaps you should ask yourself why.
I'll give you a clue, it's fucking expensive.
A five week stay in hospital (for example post stroke) will cost over £30k and that is NHS price. Add onto that the cost of drugs (which won't be on prescription because there will be no NHS subsidy), then add the cost of food etc and you are looking at a bill which is six figures.
Do you think that insurance companies will want to touch this kind of risk, for 50m+ people?
WHO does?
seeker
Not sure I follow? Did you mean who does want to take on this risk?
I will read whole threads before answering.
I will read whole threads before answering.
I will read whole threads before answering.
I will read whole threads before answering.
MOK,
From this and previous postings you appear to be a voice of authority on most things "NHS".You gave an example of A and E treatment,and claimed that it was highly unlikely that any insurance company would touch that risk.If the example given is true(and I ain`t doubting it) then someone must "touch the risk".I was asking if you knew who.
While I`m asking questions could you give a breakdown of how that 30k figure is arrived at?
seeker
The taxpayers who fund the NHS. We cover that risk
It's a rough estimate based on the tariff pricing scheme. Worth noting that most of the private hospitals are saying that they cannot match tariff price as it is too low. many are arguing for tariff +10%...
O.K. but I don`t know anything about the tariff pricing scheme.I was wondering how it broke down,if anyone knows for sure.Presumably the accountants could tell me in great detail,but I was curious for a "simple" breakdown.
seeker
Everyone pays home and contents insurance but the amount of destroyed homes (akin to the 5 week stay) is small enough to let the insurance cover the costs of them and make money on top as well. The same goes for car insurance as well. You pay a few hundred quid a year and the insurance company hopes that you won't write off half a dozen sports cars.
The higher risk you are the more you have to pay. Lowering your risks by being demonstrably healthier would lower your costs.
Most insurance companies assess this kind of risk all the time. You are asked health questions in relation to mortgages and larger loans already so the risk analysis would be identical but what they are paying out for would be different.
for example (don't have exact figures as I am at home not work)
an NHS bed can cost up to £700 a night when you factor everything in (ie staff, electric, security, heating, food, etc.
£700 x 7 x 5 = £24500
£700 a night ? Would I be right in thinking most of that is "staff" i.e.wages?
seeker
as I said this is an example (and its per 24hr period) - and yes, I expect most of it is staff - - ie nurses, Consultant, Ref, SHO, health care assistants, ward managers, med secs, hotel services. etc
£700 sounds a lot but it breaks down to £30 an hour
a consultant earning £100k/yr would have a gross cost of about £60 an hour - that is £1 a minute!
it soon adds up - which is why the NHS is good value (but needs continual investment).