....without below cost selling ?
Hi all,
Currently have family on VHI policies (as kids were free this time last year). Now I'd like to switch to Quinn company care for myself, but Quinn arent doing any kid offers at the moment. So to available of the 1/2 price I'd need to stay with VHI (unless I can leave them on the one+ plan and still claim 1/2 price while I switch!!!)
So is there a VHI policy similar to company care (with day to day cover) in the 900ish price bracket?
Thanks
S.
Is below cost selling an issue for health insurance providers?
There are other threads and posts on the topic of children. More & more procedures are being carried out in private and hi tech hospitals, a godsend if your child is in a long waiting list in a public hospital.
Patrick
Professionally I come across examples of where children have had surgery in hospitals like Mount Carmel, Sports Surgery Clinic, Hermitage or Blackrock Clinic.
One particular incident where a hi tech hospital was able to operate on a 13 year old child within 24 hours of the request as opposed to waiting 10 days with a private hospital. It was an elective surgery and the queue with 2 public hospitals were in excess of 2 weeks but no date could be given for surgery as it was dependent on bed availability.
Another recent example was when a family let their cover lapse. 13 weeks elapsed and waiting periods started again. One of the children developed a condition about 6 weeks after this date and had to go into the public system. 4 months later they are still waiting for an appointment. Again elective surgery not an emergency but these are 2 specific cases that I have personally encountered.
Patrick
Be careful of special deals on children's prices;
Quinn - Essential Choice - €102
Aviva - Level 2 Family Health - €169
VHI - One Plan Plus - €109
Quinn & VHI's prices are special prices, Aviva's is the normal price for a child.
Based on the example given in my previous post;
For either a day case procedure or overnight stay in a private hospital:
Quinn would charge €400 excess according to HIA but in fact it a per night excess as per Quinn website http://www.quinn-healthcare.com/pdf/essentialmixedrules.pdf but then again their January 2012 brochure says there is NO COVER in a private hospital, tier 1 or tier 2 http://www.quinn-healthcare.com/pdf/essbroch.pdf
Aviva and VHI would fully cover in a tier 1&2 private hospital (eg Sports Surgery Clinic) with a €75 & €125 excess respectively.
In a hi tech (eg Blackrock Clinic), a day case procedure with Quinn would have no cover while it would be fully covered with Aviva & VHI again with a €75 & €125 excess respectively.
Be careful in your choice.
Patrick
Sorry I meant can you give examples of specific procedures for kids. Carried out in private hospital. I ask because he different plans seem specific about hospitals and procedures covered.
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