Hi,
Looking for a basic health insurance plan, early 40s females in good health. I am not bothered about accomodation; just want basic health insurance in case I need it as I get older or if I need to upgrade in later years. Would it be then semi private in a public hospital that I should be checking? I go to the GP maybe once or twice a year. I had a look at HIA but can't really decipher which one make sense. Any recommendations much appreciated. Thanks.
That plan sounds ideal Riomhaire, I will check it out now. I had private health insurance up to about 2 years ago, does that make a difference to levy of 2%? ThanksHi Isabel S,
Given that you are taking out health insurance for the first time in your early forties you will be subject to a 2% levy for every year over the age of 35. This levy will expire after ten years of continuous health insurance cover.
In these circumstances and given your budget I suggest you give some consideration to LAYA's Signify plan. It will get your foot on the ladder and you may upgrade as you see fit in future years. This plan offers full cover up to semi private room level in private hospitals including the Beacon. The inpatient excess for private hospitals is €250 payable on the first two admissions per year. The everyday medical expenses excess is €150. The current price of this plan is €926 before levies are added.
I hope this is helpful.
That plan sounds ideal Riomhaire, I will check it out now. I had private health insurance up to about 2 years ago, does that make a difference to levy of 2%? Thanks
Hi Isabel S,
The simple answer to your question is that it should make a difference. The following is an answer to a a frequently asked question on Life Time Community Rating from the HIA website:
"Yes, if you take out inpatient private health insurance after 30 April 2015, your previous periods of cover will be taken into account in calculating the loading that will apply to you. If you had continuous cover for the period 1 May 2009 to 30 April 2015, the insurer will consider you to have had continuous cover since the age of 23, even if you have no proof of cover prior to 1 May 2009. If you did not have continuous cover for the period 1 May 2009 to 30 April 2015, but you held insurance prior to 1 May 2009, the onus is on you to prove you held insurance at that time"
I suspect that you will have to make a case for yourself. I suggest you get all your ducks in a row before you engage with a provider about this.
I hope this is helpful.
I believe it's completely up to the insurance company themselves what they wish to recognise. They don't have to recognise time abroad at all. Best bet would be to find an appropriate plan from each provider, using the HIA comparison website, then get a quote from each provider and see if they'll waive/reduce any loading or waiting periods (5 years for pre existing conditions).Similar to OP but older (51) had continuous UK medical cover 2012-2020 is non Irish cover eligible for consideration, what is the position on broken medical cover e.g. cover pre 2004 then cover again 2012-2020, is only 2012 onwards considered though think it would be hard to get details of earlier cover from employers etc.
Is that age loading 2% per year over 35 that's incredible 32% in my case, what's the rationale for that, I remember seeing something about when I was still in UK.
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