Esto Fidelis
Registered User
- Messages
- 2
Just to clarify about the basic cover plans, cheapest plans on the market at the moment.
They only cover the public hospitals, so there is no option to go to a private hospital at all.
They cover the 75 per night fee which is payable in a public hospital if you are admitted and don't have a medical card or health insurance.
Max payable per person per year 75 x 10nights = 750. This fee also applies to children in public hospitals.
Also, if you require surgery, you go onto the same public waiting list as those with no health insurance. There is one common waiting
list now for all surgery in public hospitals, so having public only hospital cover is no advantage in that regard.
If you're just looking to avoid the 2% levy, they're fine, once you understand the limits on what they offer and don't expect
something that isn't there.
Upgrade Penalty = 2 year waiting time only for any pre-existing conditions
If you are choosing a basic plan with the intention of upgrading in the long term, the only upgrade waiting time relates to any
pre-existing conditions you have. These pre-existing conditions would not be covered in the private hospitals for 2 years, from whenever you upgrade.
These upgrade rules apply to anyone under 65, with Laya, Aviva, Glohealth, or VHI.
Note; VHI also apply an upgrade waiting time for new conditions that occur after the upgrade - (under 55yrs - 26 weeks)
(55-64yrs - 1 year) (over 65- 2 yrs)
The other 3 insurers don't apply any waiting time for new conditions that occur after the upgrade.
http://www.hia.ie/consumer-information/switchingupgrade-waiting-periods
Also, just make sure to check the list of hospitals covered, that they suit your area, some companies show the list of hospitals NOT covered, others the list of hospitals covered, some show both lists. If there is no specific list, it means they are all covered.
Regards, Snowyb
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