confuseddotc
Registered User
- Messages
- 3
I would really welcome a reasoned argument why anybody, at any age, would ever take out private health insurance in the context of the Irish healthcare system. It has always been a mystery to me.
However should you have anything other than an emergency like for example you needed a hip replacement then yes it's take a number and wait your turn in the public system or if you have private insurance then you go that way and get your new hip quicker. Or if you are suffering unexplained symptoms that necessitate a colonoscopy (again just an example), in the public system you wait and wait and hope you get it before anything serious takes hold, with private cover you just get referred to consultant and get the test privately.
Personally it will be one of the last things I drop even with the expense, the private system isn't even great not to mind the public.
Health Insurance is universal. There is no age loading allowed!If you don't take out health insurance now, if in your 50s or 60s you sign up for it you will be heavily loaded.
Are you sure ? I believe the cost is regardless of insurance cover but I presume you can claim half back.I found it nice to have because of...
- If you go to A&E you don't have to pay A&E charge of €100
Health Insurance is universal. There is no age loading allowed!
Are you sure ? I believe the cost is regardless of insurance cover but I presume you can claim half back.
I have found it important to have because of...
- Anything related to elective surgery or scans.
- What's the difference in waiting time between a cancer scan with private versus public systems? A matter of weeks versus months. This can be a life saving amount of time.
- If you're struggling with a health issue that is seriously affecting your quality of life, jumping the queue with private health insurance can see you treated significantly (on a timeline of months or more) earlier.
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I think where you are considered an 'urgent' case the waiting times in the public system are not that much different than private.
But where your case isn't urgent but still serious (that includes potential cancer biopsies), or is greatly affecting your quality of life without being life-threatening, there is a significant difference in waiting times between the two systems.
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