Hi,
I'm looking for some advice on picking a health insurance plan. Any help would be appreciated.
I have never had private health insurance.
I am 35 living in Cork with no dependents. I have a pre-existing chronic illness that requires on-going visits to my GP and other expenses at the moment.
I was considering something like Laya Flex 175 Explore.
I don't really see the point in paying for one of the very cheap plans that offer very little.
Obviously given that I have a pre-existing condition that requires on-going visits to my GP etc you could say that a better plan than Flex 175 may be appropriate. However the way I am thinking is that given the 5 year waiting period for pre-existing conditions there is no point in me paying for a more expensive plan a while.
Is it reasonable to go on say the Flex 175 plan now and then change up to a more comprehensive plan in a few years if my current condition is still on-going. There would then be only a 2-year waiting list for the existing illness.
And in the meantime I would have a pretty decent plan for any new illness/injury that may happen in the future.
It seems logical to me but maybe I am missing something?
Thanks in advance
I'm looking for some advice on picking a health insurance plan. Any help would be appreciated.
I have never had private health insurance.
I am 35 living in Cork with no dependents. I have a pre-existing chronic illness that requires on-going visits to my GP and other expenses at the moment.
I was considering something like Laya Flex 175 Explore.
I don't really see the point in paying for one of the very cheap plans that offer very little.
Obviously given that I have a pre-existing condition that requires on-going visits to my GP etc you could say that a better plan than Flex 175 may be appropriate. However the way I am thinking is that given the 5 year waiting period for pre-existing conditions there is no point in me paying for a more expensive plan a while.
Is it reasonable to go on say the Flex 175 plan now and then change up to a more comprehensive plan in a few years if my current condition is still on-going. There would then be only a 2-year waiting list for the existing illness.
And in the meantime I would have a pretty decent plan for any new illness/injury that may happen in the future.
It seems logical to me but maybe I am missing something?
Thanks in advance