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?
Also, even better still, next time you renew, choose a policy with a 1 euro outpatient excess - so that you can both maximise your refund for GP visits etc. An excess of 440 is very high, it usually means little refund, if any at all.