I
irishartists
Guest
I'm thinking of changing my Health Insurance from Aviva to Laya - the plan I'm looking at will pay 50% cover for out-patient fees, eg consultant etc, with an excess of €1. However, I also have a Health Plan with HSF which pays out 50% of the same expenses. A few years ago I had an issue with HSF, as I also had a similar plan with HSA at the time, and they refused initially to pay out on the grounds that I was over-insured, or double-insured - can't remember the exact technical term. This was not in fact the case as each plan paid only 50%, so I was not making a profit over and above the fees chargeable by the hospital, which they eventually conceded.
Don't want any problems arising from this- I would need to claim from HSF first, who would stamp the receipt to show they had paid out on this expense, but would not show the amount paid. Would this cause complications with Laya ? (or any other Health Insurance Company?)
Anyone had a similar issue, or can anyone make any suggestions on how to avoid problems with this ? Thanks.
Don't want any problems arising from this- I would need to claim from HSF first, who would stamp the receipt to show they had paid out on this expense, but would not show the amount paid. Would this cause complications with Laya ? (or any other Health Insurance Company?)
Anyone had a similar issue, or can anyone make any suggestions on how to avoid problems with this ? Thanks.