Hi Decision Tree,
Firstly, age loading doesn't apply until a person is aged over 34 years, so he is 10 years away from any age loadings.
Secondly, it is correct that he would lose continuity of benefits on return to Ireland, if he were to take direct cover with a local provider in Austrailia.
The VHI International plan is the best option for cover while abroad, and a seamless continuation of cover on return to Ireland, with NO waiting
times attached.
There is also a built-in travel policy for any holidays taken while in Austrailia and also travel cover for a trip home to Ireland included, if necessary.
VHI are the only health insurance provider that provide this type of international policy in Ireland where there is continuous cover on return
with any of the 3 providers. He must have the policy in place before leaving Ireland as you can't do it when already abroad.
Insurance companies Allianz Worldwide Care and Bupa International policies are not recognised on return.
Regards, Snowyb