The upgrade waiting period was waived.
So my question is - is this technically in line with “all plans for everyone rule”?
he said yes but the no wait pro-rata upgrade feature is only available to employees.
I am au fait enough with health insurance as I review my own plan annually and also for others so this is either an excellent benefit or the agent has gotten mixed up (in a severe way).
Same with my wife who works Multi National. Their with Laya and pay for the inspire plus for employees and their family.Hi Sue
Yes it’s VHI. The health insurance offering is a new benefit from the (large) company for employees. The agent explicity stated that the plan could be upgraded in future for a short period to cover a procedure or hospital not covered under the regular plan and no waiting period would apply.
The reason why my wife rang was because the standard company plan has 60% ophthalmic cover and she was concerned. The agent said that if she needed something done, she can upgrade the plan for a few months pro-rata the cost of the better plan and obtain those benefits. No waiting period would apply before the better cover was activated.
My wife had the phone on speaker so I asked if I, as a member of the public, could get that plan and benefit. The agent said I could have the plan but I couldn’t upgrade for a specific procedure / hospital without the normal waiting periods applying - the waiver relates to company employees only.
To me it sounded like paying for 3rd party car insurance and upgrading to comprehensive after a crash and being covered but the agent was adamant.
I am au fait enough with health insurance as I review my own plan annually and also for others so this is either an excellent benefit or the agent has gotten mixed up (in a severe way).
T
Same with my wife who works Multi National. Their with Laya and pay for the inspire plus for employees and their family.
Same all waiting periods were been waved as employee benefit. I was concerned about 20% excess for joints and eyes. But was advertised to ring with procurement code first and for that company they can temporarily upgrade cover so 20% excess would not be charged.
It is not benefit of the plan, it's benefit to the company since their buying many together. That Laya is waving waiting periods.
I’m still not sure whether to proceed or not as it was just a phone call and have nothing in writing and worried about a large bill if the agent has got it wrong.
Referred to consultant who will perform any procedure needed in one of the high tech hospitals. Id have a large excess to pay per night (according to my policy) so I was going to ask my GP to refer me to another consultant.
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