I can afford the cover but feel it is a complete waste of money.
Our family 40yo (female), 37yo(male), children 8yr, 6yrs, 3 yrs.
We moved from UK in 2007, started VHI immediately, currently on ONE plan.
Had the 3yr old on the public maternity system, though no more babies. (Snip not allowed on health insurance, why?) The 6 yr old had an orthopaedic operation on the public system as she couldn't go privately, excellent care.
We have claimed some day to day costs on earlier plans, I had a benign mole removed(cost VHI €500 and I was in work for 9.10am!)
For our age(s) we should not need hospital treatment for quite some time. If we put €2,500 a year in a restricted access account we can pay privately if necessary, or go public.
The plan and any similar priced plans do not cover day to day spending, of which we have had very little. They seem to cover only hospital stays.
When we had the 3 yr old on the public system no one could tell us why we should go private, even a friend who is a GP. Low and behold the little bundle of joy appeared on New Years day at 8am so I'm guessing the consultant would not have been there for the delivery anyhow!
Can anyone make a case for keeping the health insurance? We both work in health related jobs, but not for the HSE and as such I feel we are making an educated gamble, and can rejoin the system when it suits us(taking into account the 5 year waiting period for pre existing conditions)
Help!!!!
Our family 40yo (female), 37yo(male), children 8yr, 6yrs, 3 yrs.
We moved from UK in 2007, started VHI immediately, currently on ONE plan.
Had the 3yr old on the public maternity system, though no more babies. (Snip not allowed on health insurance, why?) The 6 yr old had an orthopaedic operation on the public system as she couldn't go privately, excellent care.
We have claimed some day to day costs on earlier plans, I had a benign mole removed(cost VHI €500 and I was in work for 9.10am!)
For our age(s) we should not need hospital treatment for quite some time. If we put €2,500 a year in a restricted access account we can pay privately if necessary, or go public.
The plan and any similar priced plans do not cover day to day spending, of which we have had very little. They seem to cover only hospital stays.
When we had the 3 yr old on the public system no one could tell us why we should go private, even a friend who is a GP. Low and behold the little bundle of joy appeared on New Years day at 8am so I'm guessing the consultant would not have been there for the delivery anyhow!
Can anyone make a case for keeping the health insurance? We both work in health related jobs, but not for the HSE and as such I feel we are making an educated gamble, and can rejoin the system when it suits us(taking into account the 5 year waiting period for pre existing conditions)
Help!!!!