Hi,
I put my husband on VHI for the first time last year, he's now aged 45. The plan offered to us in work waived all waiting periods so I thought it was a good time to put him on (PMI 08 11). Only problem is he's being hit by Lifetime Community loadings
Would I be right in thinking if I switch him to a cheaper plan (also on VHI) that these waiting periods are no longer waived? he needs to remain on that plan?
We can afford the loadings being put on only by reducing the cost of his plan.
I have also considered changing my own plan I'm on Company plan level 1 along with our 2 kids, but I'm very slow to lose my low excess (75 eur), I've had occasion to use this low excess and access treatment in Vincents private as well as clane. but maybe it's a fools errand trying to keep it. I would welcome any advice as my premium has gone up by 70 a month and I just can't afford it, but I would like if at all possible to keep my husband on Private Health insurance he's not getting any younger either, lol. I'm currently paying 188 a month for myself and 2 kids on company plan plus level 1, he's on PMI 08 11).
Thanks
Marcia
I put my husband on VHI for the first time last year, he's now aged 45. The plan offered to us in work waived all waiting periods so I thought it was a good time to put him on (PMI 08 11). Only problem is he's being hit by Lifetime Community loadings
Would I be right in thinking if I switch him to a cheaper plan (also on VHI) that these waiting periods are no longer waived? he needs to remain on that plan?
We can afford the loadings being put on only by reducing the cost of his plan.
I have also considered changing my own plan I'm on Company plan level 1 along with our 2 kids, but I'm very slow to lose my low excess (75 eur), I've had occasion to use this low excess and access treatment in Vincents private as well as clane. but maybe it's a fools errand trying to keep it. I would welcome any advice as my premium has gone up by 70 a month and I just can't afford it, but I would like if at all possible to keep my husband on Private Health insurance he's not getting any younger either, lol. I'm currently paying 188 a month for myself and 2 kids on company plan plus level 1, he's on PMI 08 11).
Thanks
Marcia