h3333t,
Your claim will be covered based on the date of surgery and time spent in hospital, regardless of how long it takes to process the claim. So thats all sorted and taken care of.
The question remains whether to renew your policy on 1 May 2017 or to give up health insurance altogether. Is there a possibility of a need for a further related surgery in the future?
I would not be inclined to drop health insurance altogether. I would definitely consider changing plan to reduce costs. If you pick a plan with an excess, this means you agree to pay an amount only on admission to a private or hi-tech hospital, the plan costs less but you don't lose cover. Examples of alternative plans as follows;
1. One Plan 500
2. One Plan 250
3. PMI 40 15
4. PMI 44 16
Plans 1, 2 +3 cover all public and private hospitals while plan 4 also covers Mater Private and Blackrock Clinic. If you drop health insurance altogether you will have new customer waiting times if you take it out again in the future.
Regards, Snowyb