Healthcare for Monzo employees


I’m a Monzo fan, as well as a doctor and digital health startup founder in London. I’m part of a team that’s developed a new kind of healthcare system, for which we’re about to go out and start raising money. We’ve designed it specifically for the healthcare needs of people like you - 20s and 30s, digital natives, who probably care about your health.

I want to get in touch with Tom to discuss it with him but unless introduced I expect my mail will get lost. But before I try to contact him, I’d like to know if you, at Monzo, are offered any healthcare such as private medical insurance. It would be really helpful to have a chat about how Monzo employees see their health and wellness needs and how they are supported (or not) by the NHS or PMI.

Thanks and enjoy the beautiful weather,

Nigel Kellow

Nigel, I don’t work for Monzo, but judging from there is a perk that states Health Insurance.

Health insurance
Private health insurance, and paid sick leave (for both your physical and mental health).

Maybe @simonb @Naji @cookywook can add more clarity

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We have private health insurance through Vitality!

I’ve actually just had my first consultation through them and have been referred to a specialist through them. The whole process has been pretty smooth.


I am glad Monzo rewards their staff by providing private health care for them :grinning:. More companies should do it. Once I was told that the soonest I could see my GP would be in 4 weeks! I wish I could afford to go private as the current state of HNS is truly scary, especially for those with health issues…

You want to talk to the big banks… LBG eventually rolled out PMI for all staff (after taking it away) caving into union pressure. However they refuse to sort a proper policy without excess… Currently £200 excess. Luckily members of Accord Union with 12 months of full subs behind them can claim £100 back per 12 months!

This is excessive excess. I hope Monzo doesn’t have any excess on their policy. I wonder if the past decade of deteriorating economic conditions for younger folks isn’t part of the reason for the rise in mental health problems among those in their 20s and 30s… Well, not everyone can go private and it means we need to do something to keep public health care system afloat.

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Even with Private health care… you still need to go through the GP first.

*edit: removed pointless statement

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Just to update on my experience with Vitality…

I booked a consultation on last Saturday for Tuesday morning. On Tuesday morning I had a video call consultation with a GP, who has now referred me to a specialist, at a hospital literally 5 mins away from me, for tomorrow morning!

I’m a big believer in the NHS, because I believe nobody should be denied access to healthcare, but I know from personal experience that this process would have taken far, far longer with them.

With my local GP, you generally have to call at 9am when they open, to try and get a slot on the same day when there’s been a cancellation, else you’ll be waiting a couple of weeks. Then you show up to what’s undoubtedly a full waiting room, likely exposed to many different germs, more often than not somebody getting unreasonably angry at the receptionist over some minor issue, and then if you need a referral you’ll likely be waiting another few weeks.

Of course, this is what happens with cuts happening left and right. I’m feeling very fortunate to be covered with a good plan through working here.


:star_struck: Futuristic


Futuristic but also not always the right thing to do. Look at Uber’s admission in its court documents. It was trialling eye examinations via video link…

Technology is good when used correctly, but other people see it as a quick shortcut to cost savings.

I’ve no experience with Vitality and I would not want to draw such a comparison to their services. Clearly it’s working well if they have referred to a local doctor for further examination.

What is this witch craft that you speak of…

Generally for me… GP runs an urgent clinic Mon, Wed, Fri between 9-10 and you will see a doctor for 1 issue only, but it’s first come, first served, people are queueing from 8am.

I’d pay for video conference with a GP… otherwise it’s a 4 week minimum wait for a regular appointment.


Well, that’s the idea! :joy:

Only, it’s the company paying for it. Well… I think the cost is split, the company pays for some of it and some of it comes out of our monthly pay.

Being able to do the video consultation removed a huge amount of stress for me.


Yeah… we tend to find with these things… it’s only available in England.

Found an app recently which lets you order prescription (Echo - NHS Prescriptions)… but again… only available in England

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This is essentially that, for the NHS.

Echo is also an app I use for prescriptions delivered to your door:

This has all the apps that the NHS are working with:


I think its because we don’t have full roll out of electronic prescriptions in Scotland yet. Either that or because our prescriptions are free there’s no money to be had!

We have AXA PPP here it’s not bad but £100 excess can be a kicker

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Probably a bit of both… and if they did implement it… it would cost 8x more than initially forecast and then dropped before it rolls out.


Actually found a document from 2007 that mentions the transition from paper to electronic prescriptions… says it all :joy:

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Totaly agree. I want our NHS to provide best healthcare within reasonable time frame but waiting 4 weeks to see GP is tragic. @simonb rightly pointed out that spending cuts are leading to the current situation. Even more terrifying is the fact that this is quite likely the main reason for the UK to come literally bottom of the table in developed world in success rates for treating most common illnesses :cry:

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My local GP Practice is a 2 week wait via the phone but only 2/3 day wait if you book online. My practice has to put up signs telling people to go to the dentist if their teeth hurt and opticians for their eyes and this surely contributes to the wait as those appointments are not always needed (although this is more than likely a tiny percentage of the reasons why the wait is long)

Last time I tried to book online the first avaialable appointment was 8 weeks away! Not surprisingly, the receptionist advised to use it for non-urgent consultations. I’ve got the feeling that some people book appointments online just in case and then cancel when not required :neutral_face:

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The other good thing about the video consultation, was that when I booked it, there was a field to write a full description and the option to attach up to 3 photos.

So by the time I had the consultation, the GP already knew all the details, which sped things up!