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medical insurance waiting times....why?

  • 30-01-2011 10:15am
    #1
    Doom
    Banned (with Prison Access) Posts: 2,381 ✭✭✭


    Why is there a waiting period when you take out medical insurance, or increase your cover? And sometimes this can be up to two years even if medical condition is not a pre-known condition.
    If you take out house or car insurance and something happens, you can claim straight away.... Seems like a bit of a con


Comments

  • #2
    MagicSean
    Closed Accounts Posts: 9,897 ✭✭✭MagicSean


    So that they can rule out the possibility that you changed your plan so that you would be covered for an ailment you weren't previously covered for but had found out about.


  • #3
    Doom
    Banned (with Prison Access) Posts: 2,381 ✭✭✭Doom


    k_mac wrote: »
    So that they can rule out the possibility that you changed your plan so that you would be covered for an ailment you weren't previously covered for but had found out about.

    Thats Mentioned already, but they make you wait 2 years for cover EVEN if the condition was not previously known


  • #4
    MagicSean
    Closed Accounts Posts: 9,897 ✭✭✭MagicSean


    Doom wrote: »
    Thats Mentioned already, but they make you wait 2 years for cover EVEN if the condition was not previously known

    You might know about it but it might not be documented.


  • #5
    tenchi-fan
    Closed Accounts Posts: 3,339 ✭✭✭tenchi-fan


    Doom wrote: »
    Thats Mentioned already, but they make you wait 2 years for cover EVEN if the condition was not previously known

    You might notice you are having breathing difficulties every few months that seem to be getting worse. You take out a VHI policy. A few months later the symptoms start up again worse than ever & you're glad you took out that policy!

    It's obvious when you think about it.


  • #6
    Doom
    Banned (with Prison Access) Posts: 2,381 ✭✭✭Doom


    tenchi-fan wrote: »
    You might notice you are having breathing difficulties every few months that seem to be getting worse. You take out a VHI policy. A few months later the symptoms start up again worse than ever & you're glad you took out that policy!

    It's obvious when you think about it.

    Less than two years= not covered


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  • #7
    MagicSean
    Closed Accounts Posts: 9,897 ✭✭✭MagicSean


    Doom wrote: »
    Less than two years= not covered

    Yes and techni-fan has just explained why.


  • #8
    tenchi-fan
    Closed Accounts Posts: 3,339 ✭✭✭tenchi-fan


    Doom wrote: »
    Less than two years= not covered

    yea... how many people ignore medical conditions for years...

    If private health insurance is important to you, buy it immediately. It's called insurance for a reason.


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