nhs sharing your details opting out

[James1979]

I was advised to take out a policy for my repayment mortgage and it covers for any condition not pre existing at the time. Mine had exemptions as I had some existing conditions. Fortunately my current predicament is caused by the medication for the existing condition and so the policy still stands.

That’s what mine is. I was advised to take it out but not sure it was mandatory.

I had to claim on it and they didn’t want to know.

 

[daleyd]

That’s what mine is. I was advised to take it out but not sure it was mandatory.

I had to claim on it and they didn’t want to know.

We had a repayment mortgage and no life cover for years, it was advised to have it but not compulsory - it wasn’t a huge mortgage so we never bothered until we moved and had kids. I think that’s the difference with an endowment, with those it’s actually included as part of the product - so it pays out either at the end of term or in the event of death, if it happens before the end of the term.

 

[HughF]

Yes, but I seem to recall one of the stipulations with that policy was they you were compelled to have life insurance cover with it - which was not the case with a “normal” repayment mortgage? I’m only going from my parents situation, as I’ve never had one myself - but when my dad passed away their endowment mortgage was paid off.

In fact a quick google suggests that endowment products are indeed sold by life assurance companies…quote below from a guide to endowments.

Endowment policies have life insurance built into the plans, but also act as a way to save money, as your premiums are invested by the company you pay them to, and you receive a payout once your policy matures.

Yep, they're pretty much life insurance + investment... My dad was a life insurance and mortgage salesman for a particularly ethical company back in the 60-70's and sold hundreds of these products, door to door, all over the South Coast.

 

[HughF]

They were miss-sold in the 90's by people claiming they were capable of returns that they weren't delivering. Hence the subsequent bad press.

 

[James1979]

I

We had a repayment mortgage and no life cover for years, it was advised to have it but not compulsory - it wasn’t a huge mortgage so we never bothered until we moved and had kids. I think that’s the difference with an endowment, with those it’s actually included as part of the product - so it pays out either at the end of term or in the event of death, if it happens before the end of the term.

I decided not to with this one. It’s £40 a month saved. Probably more now I tried to claim. The only insurance I have is death insurance just to protect my wife. If I die the house will be paid off.

She can then do what she wants with it.

I think it covers just about everything cause wise. Except if I hit the emergency stop button. It won’t cover that. They pointed that out!!

 

[My Old Landy]

I

I decided not to with this one. It’s £40 a month saved. Probably more now I tried to claim. The only insurance I have is death insurance just to protect my wife. If I die the house will be paid off.

She can then do what she wants with it.

I think it covers just about everything cause wise. Except if I hit the emergency stop button. It won’t cover that. They pointed that out!!

Ah that is what I hoped for mine but there are actual exemptions based on the illness. If I died as a result of the illness they won't pay. It may be interesting to see what happens once I am gone as the medication has destroyed my liver and not the condition that was being treated not that it will bother me just my mrs

 

[colnerov]

They were miss-sold in the 90's by people claiming they were capable of returns that they weren't delivering. Hence the subsequent bad press.

Hi. Yes but in the years previous to that they performed very well and cleared the mortgage capital and had a bit over. That is why suppliers of financial products always say "Investments can down as well as up" but no one takes any notice or remembers that.

Colin

 

[HughF]

Hi. Yes but in the years previous to that they performed very well and cleared the mortgage capital and had a bit over. That is why suppliers of financial products always say "Investments can down as well as up" but no one takes any notice or remembers that.

Colin

Absolutely, in years past they were an excellent product

 

[J1nx]

I don't understand -

If I underwrite life insurance, and can buy information that would give me an idea of the subjects longevity, why on earth would I not do that, and adjust my quote accordingly?

Or have I got the wrong end of the stick, and that's not what you were suggesting?

This sounds promising, so due to my very boring, almost non-existent historical medical treatments and healthy lifestyle I will reap the benefits of lower premiums? Just like an extension of the tax smokers already pay on life insurance?

 

[HughF]

This sounds promising, so due to my very boring, almost non-existent historical medical treatments and healthy lifestyle I will reap the benefits of lower premiums? Just like an extension of the tax smokers already pay on life insurance?

Hahaha.... Those premiums only ever go in one direction, and it ain't down

 

[gaz1]

surprisingly how easy it is to deanonymized

Researchers spotlight the lie of 'anonymous' data | TechCrunch

Researchers from two universities in Europe have published a method they say is able to correctly re-identify 99.98% of individuals in anonymized data

techcrunch.com

 

[Wedg1e]

I tried to go down the 'National Data Opt-Out' route via the various links and all I keep getting is "Sorry, you haven't used this service for a while, you will have to start again". Which is odd, because I haven't used it ever
Type 1 form duly downloaded. Clearly the whole idea of the data sell-off - or giveaway - is for someone, or several someones, to get richer, however they try and dress it up. I don't feel like helping them do that.

 

[gaz1]

for those that are interested

the info is here

How to opt out | medConfidential

the opt out letter is here

https://medconfidential.org/wp-content/uploads/2021/05/Type_1_opt-out_letter.pdf

those without a printer can ask for an opt out letter, info from medconfidential in link above

If you don’t have access to a working printer, you can ask the NHS Digital Contact Centre to post you the forms you need. Their phone number is 0300 303 5678 and they are open Monday to Friday, 9am to 5pm (excluding bank holidays), or you can e-mail enquiries@nhsdigital.nhs.uk any time.

 

[Richiew]

This got featured on Radio Five yesterday daytime. During Nihal's show. They interviewed a Professor on it who was defending the process. He wasn't at all convincing in what he said and the manner in which he said it. Sounded really uncomfortable.

 

[slim_boy_fat]

Sounded really uncomfortable.

Could that be because someone [Nihal?] asked him a question requiring a straight [as in non-obfuscative] answer?

 

[James1979]

Could that be because someone [Nihal?] asked him a question requiring a straight [as in non-obfuscative] answer?

They all seem like that. Whatever denomination or issue is being discussed. They can’t give a straight answer. Not one of them. Does my head in!

Then you’ve got the likes of Jeremy Vine interviewing them. Cannot abide that ****. I was somewhere today that had radio 2 on hence my renewed hatred of him!!

 

[bump]

I'm opting out. Given that Dido Harding is in the frame for heading up the NHS and her Husband, John Penrose is a member of an organisation that wishes to replace the NHS with an insurance based system. I'm not giving anything away.

 

[gaz1]

confirmed is been put back 2 months

Launch of new GP data-sharing system delayed amid privacy concerns

"The success of any project will rely on people trusting and having confidence in how their personal data will be used"

www.thecanary.co

NHS Digital postpones plans to gather GP patient data after criticisms over transparency

Commencement of GPDPR pushed back by two months Credit: George Hodan/Public domain Plans for NHS Digital to collect and centralise swathes of patient data from GP practices have been pushed back by two months. The delay – from 1 July to 1 September – comes shortly after unions and sector bodies

publictechnology.net

Independent media just forced the Tories into a major NHS climbdown

If it wasn't for the work of independent media, the Tories probably wouldn't have made a major U-turn over the NHS data grab

www.thecanary.co

as usual 2 faced ico finaly climbs out of its shell with a statement

The information commissioner welcomed the delay to the launch. Elizabeth Denham said there remains “considerable confusion regarding the scope and nature” of the programme.

yet there was no reason why it couldnt state to nhs digital to delay and get your own house in order with documents and proove that peoples data was beiong protected well

 

[Edward Teach]

My thoughts on all this sharing your medical data etc.
None of the NHS establishments share their medical data they have of you, with/between other NHS establishments.
Is this not the point of sharing your medical info ???
You all seem to be concerned about malpractice.
Surely if every medical establishment has access to all your medical records !!!???

 

[bump]

My thoughts on all this sharing your medical data etc.
None of the NHS establishments share their medical data they have of you, with/between other NHS establishments.
Is this not the point of sharing your medical info ???
You all seem to be concerned about malpractice.
Surely if every medical establishment has access to all your medical records !!!???

I have no problems with the treatment side using my information.

I do have problems when less than trustworthy US firms are in the frame to be doing work with this data. It is very easy to deanonymise data if you have reference data.

1984 was a warning, not an instruction manual.