If they have to go into hospital it will be Crumlin, Tallaght or Temple St where they will be treated as public patients, so the hospital cover is literally useless for them. At what point can they be treated in an adult hospital? Is there any benefit to having them insured so they have continuity of cover when they eventually move onto an adult policy?
So what about other benefits? The cheaper plans (such as the plans VHI currently have at half-price) have high excesses and minimal out-patient cover. You get some money back for consultants fees, but you'd have to make several visits in a year to start to see any benefit; reducing the excess increases the premium significantly so the same applies to the better plans.
Laya have "emergency dental" cover but this only applies to treatment within 5 days of the "emergency" so presumably isn't going to cover crowns implants etc.
I'm struggling to see a situation where health insurance makes sense for kids. Has anyone got any examples?
So what about other benefits? The cheaper plans (such as the plans VHI currently have at half-price) have high excesses and minimal out-patient cover. You get some money back for consultants fees, but you'd have to make several visits in a year to start to see any benefit; reducing the excess increases the premium significantly so the same applies to the better plans.
Laya have "emergency dental" cover but this only applies to treatment within 5 days of the "emergency" so presumably isn't going to cover crowns implants etc.
I'm struggling to see a situation where health insurance makes sense for kids. Has anyone got any examples?