I'm going to have to show my ignorance here with these questions....
So if I had a PHI policy for my child, and it was only costing about 200-300/year, then it allows me to 'skip the queue' for non elective surgery.
But what about payment. Is the cost of the surgery covered by the policy?
What if I had no PHI cover, but because of a long waiting list I decided to go privately in that instance. Will I then be paying massive amounts, way beyond the 200-300 cost?
I think so, for the various reasons posted in above posts. Often you can get half-price child policies, sometimes free, and the VHI don't charge for fourth and subsequent children.I'm wondering if it worth buying PHI for children?
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