Interesting thanks very muchI presume, but I can't find it spelled out anywhere, that when moving from a 'named' insured to insured in own name that he wouldn't be treated as a new customer and so wouldn't have to re-serve waiting periods.
Similarly for age loadings, although as that doesn't kick in until 35 it's not really an issue.
If he does go to sort out his own insurance, he can have up to 13 weeks between policies before it is treated as a gap in cover for waiting period purposes. But should be manageable so that there is no gap.
So at the moment, I don't see anything major that would swing it between staying as a named insured to his own policy.
82 euros a month works out as a policy of about €1000 a year which sounds like one tailored with hospital cover in mind possibly with some high excesses. Not a gold plated one by any means. You might be able to find a plan that's a little cheaper versus higher excess if the cost is a factor.
I'm not familiar with the VHI plans but if you have a look at other threads on the forum you may see suggestions - assuming you might want to stay with VHI? If they have a Swiftcare clinic convenient to your location that would be a reason to stay with VHI.
Fair point. I would add at the other extreme if they are very active in sports, cycling etc they might want to consider it also in case of sports injuries and accidents.Not sure that a young healthy non-smoker should have health insurance at all.
He can start at 29 for the same price as someone who has had insurance since birth.
The only issue would be waiting times for existing illnesses. Not worth paying €1,000 a year for.
But if he is a drug-taking, heavy smoker with existing illnesses, it's great value as it's being subsidised by the healthy non-smokers foolish enough to take out health insurance.
Brendan
That's true too - I suppose A@EFair point. I would add at the other extreme if they are very active in sports, cycling etc they might want to consider it also in case of sports injuries and accidents.
Hi,That's an interesting reply Brendan - I was giving thought to taking him off as named unless he wants to pay the partial sub himself , the benefits are poor enough but would cover private hospital room and 70 per cent or so consultants fee - thanks for reply
Not sure that a young healthy non-smoker should have health insurance at all.
He can start at 29 for the same price as someone who has had insurance since birth.
The only issue would be waiting times for existing illnesses. Not worth paying €1,000 a year for.
But if he is a drug-taking, heavy smoker with existing illnesses, it's great value as it's being subsidised by the healthy non-smokers foolish enough to take out health insurance.
Brendan
Cancer on the other hand can affect anyone at any age, so it's worth it for that alone. You have more comfort and better options with private oncology cover.
Public oncology services can be excellent. But as a private patient you have more choices about which hospital you attend, which consultant you see, when your treatment/scan is scheduled, etc. You will usually be in nicer accommodation which can really matter if you are in for a long spell. Some drugs and procedures are only available in private hospitals.How so ? I know two people who recently received exemplary care in the public system after the bowel screen programme detected abnormalities in samples.
The cross border directive is good for some things but can take time to arrange. From a continuity perspective it's not ideal as your care can become fragmented across borders/languages/timezones. I would regard it as a last resort as travelling when you're unwell is no joke, even if it's a couple of hours up to Belfast.If funds aren't a problem is the Cross border directive not an option for elective procedures that you alluded to above?
Not to mention the possible delay getting the cancer diagnosed in the public system in the first place, outside of screening programs. Urgent appoint for a dermatologist for a skin check was a 1 year wait for me. Wait time for colonoscopies/endoscopies or an MRI/CT is a year plus. Can take weeks to get results back.Public oncology services can be excellent. But as a private patient you have more choices about which hospital you attend, which consultant you see, when your treatment/scan is scheduled, etc. You will usually be in nicer accommodation which can really matter if you are in for a long spell. Some drugs and procedures are only available in private hospitals.
The cross border directive is good for some things but can take time to arrange. From a continuity perspective it's not ideal as your care can become fragmented across borders/languages/timezones. I would regard it as a last resort as travelling when you're unwell is no joke, even if it's a couple of hours up to Belfast.
Not to mention the possible delay getting the cancer diagnosed in the public system in the first place, outside of screening programs. Urgent appoint for a dermatologist for a skin check was a 1 year wait for me. Wait time for colonoscopies/endoscopies or an MRI/CT is a year plus. Can take weeks to get results back.
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