The problem is that if you require an MRI now, it could be classed as a pre-existing condition which would mean you would have a waiting period from commencement of your policy until you would be able to claim for the MRI. So if you need an MRI shortly I think you will have to pay the full fee - €800 whether you get insurance now or not - then claim tax relief on the amount you paid.
Have you investigated how long the waiting list is if you go public?
is it free if I go public?
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