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Is it worth getting Health Insurance?

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Comments

  • #92
    muloc
    Registered Users, Registered Users 2 Posts: 460 ✭✭muloc


    quickguide in IT today, may be of use. I can't post url as new


  • #93
    Alf Veedersane
    Registered Users, Registered Users 2 Posts: 24,654 ✭✭✭✭Alf Veedersane


    muloc wrote: »
    quickguide in IT today, may be of use. I can't post url as new

    From the hand of Conor Pope


  • #94
    bladespin
    Registered Users, Registered Users 2 Posts: 7,367 ✭✭✭bladespin


    I'm 40 and have never had health insurance before (never needed it either tbh) but I guess the govt have finally stitched me up properly so I'm about to take the plunge, I do have a question or 2 so maybe someone could help:


    My partner is below 34, like me she hasn't had insurance before, can I 'put' her on a policy at a later date, 1-2 years from now?
    I'm only looking for basic cover as I don't see the need, can I upgrade as I get older and possibly feel there may be more benefit in cover.
    The company I work for are proposing bringing in health insurance but not for some time yet (the deadline will pass), can I switch to their policy when it's in?
    Cheers.
    Untitled Image

    MasteryDarts Ireland - Master your game!



  • #95
    cros13
    Registered Users, Registered Users 2 Posts: 3,285 ✭✭✭cros13


    bladespin wrote: »
    My partner is below 34, like me she hasn't had insurance before, can I 'put' her on a policy at a later date, 1-2 years from now?

    Yes, no problem.
    bladespin wrote: »
    I'm only looking for basic cover as I don't see the need, can I upgrade as I get older and possibly feel there may be more benefit in cover.

    Yes, but you may serve individual waiting periods for some of the increased benefits. These waiting periods are usually quite short.
    bladespin wrote: »
    The company I work for are proposing bringing in health insurance but not for some time yet (the deadline will pass), can I switch to their policy when it's in?

    Yes, in most cases your insurer will allow you to cancel mid-term for this reason. Technically you may have to wait until renewal before joining the company plan, but I've never seen that enforced.

    You will have to pay Benefit in Kind on the company provided health insurance. The company may allow the premium to be paid directly to you if you want to stay on your current plan. In that case you need to apply directly to Revenue for a refund of the 20% Tax Relief at Source for the portion your employer is contributing.


  • #96
    nice_guy80
    Closed Accounts Posts: 8,722 ✭✭✭nice_guy80


    I didn't bother in the end.

    Too many charges and levies introduced by FG and their business buddies.

    Pension levy, USC, water charges, property tax, health insurance levy, insurance policy levies.

    I expect the community rating to be totally reformed within 5 years anyway


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  • #97
    BarneyMc
    Registered Users, Registered Users 2 Posts: 1,504 ✭✭✭BarneyMc


    nice_guy80 wrote: »
    I didn't bother in the end.

    Too many charges and levies introduced by FG and their business buddies.

    Pension levy, USC, water charges, property tax, health insurance levy, insurance policy levies.

    I expect the community rating to be totally reformed within 5 years anyway

    Same as (for my wife)... will remember this 'gun to head' politics FG.


  • #98
    daheff
    Registered Users, Registered Users 2 Posts: 5,898 ✭✭✭daheff


    BarneyMc wrote: »
    My wife is 35 and has no health insurance. If she took out a €400 plan before the deadline just to get into the systems and avoid the levy and decided to upgrade to a €1,000 plan the next year and thereafter then she is in effect saving the 2% levy on the €1,000 plan every year which is just €20 a year. It would take 20 years to make up the €400 she spent on the first year to get into the system. Am I right in my calculations? I'm ignoring the fact that she'll also be getting cover for that first year although it would be limited.

    maybe 20 years based off todays plan cost. Expect that plan cost to be higher in 4 or 5 years (so your 2% loading will be higher). Also expect that over time you will gravitate to a more expensive plan too (probably when you have less income -retirement) so your 2% would be a higher amount too.
    nice_guy80 wrote: »
    I expect the community rating to be totally reformed within 5 years anyway
    Expect away. I dont see it. I see us moving to a US style healthcare system.


  • #99
    shedweller
    Closed Accounts Posts: 4,029 ✭✭✭shedweller


    daheff wrote: »
    Expect away. I dont see it. I see us moving to a US style healthcare system.
    Cos that works so well!


  • #100
    OldMrBrennan83
    Closed Accounts Posts: 26,658 ✭✭✭✭OldMrBrennan83


    This post has been deleted.


  • #101
    joneslouise119
    Banned (with Prison Access) Posts: 7 ✭joneslouise119


    VHI have great covers at the moment and half price for kids


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