We have always had a joint policy with either VHI or Quinn (Laya). There is a joint excess on this policy of circa €440 for outpatients. I have noticed that one of us has more GP/Consultant visits per annum than the other. The total per annum out patient visits of us both is always just below the €440 so in the end neither of us can claim. But if we had separate policies then both of us would have separate excess policies of circa €220 and one of us might be able to claim.
Would separate policies be recommended. Are there any benefits/negatives to this idea?
Would separate policies be recommended. Are there any benefits/negatives to this idea?