I could get cover for 2 adults for around €846 each instead of €1189 say....saving us around 600 euros, hoping that because both of us are healthy we would not be hospitalised or have a day case procedure needed.
I'm still trying to work my way around the vagueness of what is covered and what exactly I would be liable to pay under a limited excess scheme. I can get no clarity on these from the insurers and looking at small print does not clarify the issue. I am not normally a worrier but I feel that the whole health insurance industry is designed to force people into taking out gold plated policies at high cost in order to give them assurance that a claim would be met. Surely there is someone who can for a small fee clear the muddiness on the issue and advise on the appropraite policy for individual circumstances and budget!!The excess is per claim. So if you have a procedure which costs €2,000 on Day 1 and €400 for the follow up a week later, you will pay €500 on day 1 and €400 for the follow up. (I think
I am worn out from trying to compare policies for 3 different people this past week, all on different plans which of course have increased. I would pay someone good money to give me clear advice on this.
On a tight budget I'd be inclined to downgrade accommodation type, private to semi, or maybe hospital type, technical -> private -> public, rather than select a sizable excess.
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