That's fine for emergency type care, public care is as good as private. Risk is for non emergency things, yes you can pay the consultant but that won't get you any further up the public system if something needs doing, tonsils or adenoids are a classic one. You will wait a long time on the public system for these to be done and if your kid is not sleeping because of these sorts of issues or has constant ear problems it will feel like an even longer time!
I think I would actually even forgo insurance for myself in favour of children as the children's policies are so cheap anyway in comparison if money was an issue.
Thats ill probably do in the meantime. I see VHI offers as well some disvounts for children plans, irish life too. Btw while ill be switching I simply give notice that aim finished with them and sign up to new insurer? Do they ask you while signing up about history of previous insurance? I habe been too long with one insurer i started while it was still called aviva wuth level 2 hospital plan but in the space of few years the cost just quadrupled so had to switch plans, it looks at the moment from corporate plans Laya seems to have best dealsCongrats on the new baby. I could be wrong but think you can add new borns to most plans for free until the end of the current plan's term, and then either renew or switch plans for both you and baby together.
Good pointsWell yes you can, I thought you meant by paying the consultants fees that you meant just the consultant and not the hospital fees etc for any procedure needed but to go public route when/if diagnosed.
If you have that sort of money to be able to look after the cost of a hospital stay/tests/procedures then you're fine and you'd don't really need health insurance. They are not cheap though and it's taking a risk on whether or not you ever have to pay and sure isn't that the very essence of insurance, do you take the gamble or not, if you never have to pay out for something you win and if you do then you lose, all insurance is to mitigate the risk of something which may never happen happening.
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