djtonykirl
Registered User
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- 9
Hello,
My sister (who will turn 35 in November) has recently been diagnosed with a chronic illness. The precise diagnosis is a work in progress. She does not have any health insurance currently. Given the diagnosis and additional loading for over 35s, purchasing health insurance is a top priority. I am trying to understand the preexisting conditions aspect when purchasing health insurance policies.
As I understand it, all preexisting conditions (understandably) need to be disclosed as part of taking out a policy. Once purchased, there is a five year waiting period before claims can be made against a policy. Claims for the previous five years cannot be made retrospectively.
E.g. If my sister initially purchased a plan with e.g. €40 back per consultant visit in Year 1 and subsequently upgraded to a plan with €60 back per consultant visit in Year 5, there would be a 2 year waiting period beginning at Year 5 before the €60 claim could be made. In other words, it would be Year 8 before the enhanced cover would kick in.
Is my understanding above correct? I am trying to understand what the optimal way to purchase health insurance would be for her. Especially with the double whammy of paying out considerable sums of money for consultants and procedures whilst also purchasing health insurance.
Regards and thanks in advance,
Tony.
My sister (who will turn 35 in November) has recently been diagnosed with a chronic illness. The precise diagnosis is a work in progress. She does not have any health insurance currently. Given the diagnosis and additional loading for over 35s, purchasing health insurance is a top priority. I am trying to understand the preexisting conditions aspect when purchasing health insurance policies.
As I understand it, all preexisting conditions (understandably) need to be disclosed as part of taking out a policy. Once purchased, there is a five year waiting period before claims can be made against a policy. Claims for the previous five years cannot be made retrospectively.
E.g. If my sister initially purchased a plan with e.g. €40 back per consultant visit in Year 1 and subsequently upgraded to a plan with €60 back per consultant visit in Year 5, there would be a 2 year waiting period beginning at Year 5 before the €60 claim could be made. In other words, it would be Year 8 before the enhanced cover would kick in.
Is my understanding above correct? I am trying to understand what the optimal way to purchase health insurance would be for her. Especially with the double whammy of paying out considerable sums of money for consultants and procedures whilst also purchasing health insurance.
Regards and thanks in advance,
Tony.