Do you have private healthcare?

sunflower27

I was paying VHI 76e/month for private healthcare but called today and got put down to a more basic package for 42e.

I almost feel afraid to not have it.

El Horseboxo

Only because of my job. Probably wouldn't have it otherwise. Nothing to do with money. I'm just not the best future planner.

Pauleta

Daddy has me under his one

TheZohanS

Yup, Plan D VHI.

You might find this interesting.

mikemac

Got €1000 cashback from mine for laser eye surgury and then I cancelled policy. Took out insurance and made money

stovelid

Yup.

Me, the missus and the kids covered by work.

Kevin Duffy

I did owing to a long-term condition and lots of sports injuries, then did the maths on waiting lists and the price I was paying for treatments - now I don't have it.

sunflower27

When I was working I never really thought about it, just paid it every mont without any thought, but I'm not working at the moment so it's a case of having to save money where I can.

I've never needed it, but in the last week I have had a friend break an ankle and another a jaw after tripping on the pavement... I guess you just never know when you may need it.

smokedeels

nope

the groutch

was going to til they all hiked up their premiums a couple of months ago.
not worth it now, havent been near a doctor or hospital in over 10 years

ShadowGal

Ive got VHI, wouldnt be without it tbh. I think the waiting lists are shorter. I just feel safer having it.

SEPT 23 1989

No i spend all my extra money on smokes and booze

ronkmonster

no

Yep.. Travel Health insurance and also health insurance paid for by work.

sunflower27

ShadowGal wrote: »

Ive got VHI, wouldnt be without it tbh. I think the waiting lists are shorter. I just feel safer having it.

I hear you, I feel safer as well.

I was told today that as I was made redundant I can drop down to the lower rate, but if I get sick I can start paying the higher premium again and will be covered at that rate. It is for 12 months only, however.

Anyone else in the same situation may want to consider doing the same.

MiniSquish

I was on Dad's but he stopped paying it this year because it was gonna be too expensive to pay for me aswell as part of his plan. Does freak me out a bit not having it. The only reason I haven't gotten it myself is because I'm out of work at the moment and thought I wouldn't be able to afford it, but €42, thats great. I'd sign up to that, as its not as expensive as I thought it would be!

Jagera

For my family of 5 here in Switzerland, I pay around 950 CHF ( 750 odd Euro) per MONTH for the minimum basic & compulsory health insurance. Mine is cheaper than a lot of others I know.

Adding to that, I have an excess of 1500 CHF per separate adult. So unless I have major operation I get bugger all from it. The kids have no excess which is good because they are more often suffering from various minor stuff kids get. Their health insurance also covers prescribed medicine.

alexa5x5

Im the same, Ive been paying about 70euro for the last year and a half but tbh I can't really afford it anymore, but Im more afraid to get rid of it. :rolleyes:

offaly1

Yep vhi first plan plus..or something like that. probably not worth having as i only claim for my specs every couple of years!!

sunflower27

Under the new rate, I wouldn't have my own room, but hell... I'd be bored out of my skull if I had to anyway

And I am not covered by GP visits, but i have a medical card so it is fine.

ShadowGal

sunflower27 wrote: »

I hear you, I feel safer as well.

I was told today that as I was made redundant I can drop down to the lower rate, but if I get sick I can start paying the higher premium again and will be covered at that rate. It is for 12 months only, however.

Anyone else in the same situation may want to consider doing the same.

It feels like having a safety net. I pay through work and it automatically comes out of my wages. Sorry to hear you were made redundant

bw

bw wrote: »

For my family of 5 here in Switzerland, I pay around 950 CHF ( 750 odd Euro) per MONTH for the minimum basic & compulsory health insurance. Mine is cheaper than a lot of others I know.

Adding to that, I have an excess of 1500 CHF per separate adult. So unless I have major operation I get bugger all from it. The kids have no excess which is good because they are more often suffering from various minor stuff kids get. Their health insurance also covers prescribed medicine.

That's nuts... A massive reason to not live in a place imo.

gaeilgegrinds1

OH is a doctor, even when we were friends and he was training he had me convinced of it! Treated SO differently in there.

azezil

Nah I opted out, I have life assurance but that's only because my company paid for it.

dvpower

bw wrote: »

For my family of 5 here in Switzerland, I pay around 950 CHF ( 750 odd Euro) per MONTH for the minimum basic & compulsory health insurance. Mine is cheaper than a lot of others I know.

Adding to that, I have an excess of 1500 CHF per separate adult. So unless I have major operation I get bugger all from it. The kids have no excess which is good because they are more often suffering from various minor stuff kids get. Their health insurance also covers prescribed medicine.

That is shockingly expensive - are income tax rates in Switzerland really low?

Wikipedia wrote:

In 2010, the average monthly compulsory basic health insurance premiums (with accident insurance) in Switzerland are:[4]
CHF 351.05 for an adult (age 26– years)
CHF 293.85 for a young adult (age 19–25 years)
CHF 84.03 for a child (age 0–18 years)

zuroph

On company health with Quinn.

http://www.hia.ie/ci/health-insurance-comparison

use this site to find the best deal for you.

Little known way to save money, the companies have a Corporate rate that they sell to companies which offer practically the same cover but for much cheaper. However, under law, if they offer a policy to someone, they have to allow everyone buy it. they dont advertise these cheaper prices but they're available to you.
I saved over €100 this year when i switched to Company health on what my renewal quote was.

zuroph

jamhassan wrote: »

Do you got me job in this hospital I now a day i am job less.

to be fair, this is a very valid point.

Jagera

dvpower wrote: »

That is shockingly expensive - are income tax rates in Switzerland really low?

Yeah I pay around 7.5% in total. Higher cost of living for other stuff, rent is extortionate (3000 p/m) in the end it balances out so that I have always had the exact same amount of zero left at the end of each month, no matter where I have lived.

BickNarry

Right...here's the boring stuff-

In Ireland, the public health system has a symbiotic relationship with private health insurance not seen in other European countries. Everyone has entitlement to public hospital care from the state, but half the population now pay for private health insurance.

The insured avail of ‘‘private’’ health care, much of it delivered in public hospitals, and the resulting two-tier system. This is problematic from both an efficiency and an equity perspective.

Uncertainty plays a big factor in health care. It affects both the demand and the supply.

Demand; consumers are uncertain of their health status and need for health care in any coming period. This in turn means that demand is irregular from both the individual’s perspective and also the demand facing health care firms is irregular.

Supply; consumers often do not know the expected outcomes for various treatments without their physicians advice who in some cases cannot predict the outcomes of treatments with certainty. Because of uncertainty the role of insurance affects people’s choices over consumption. Markets for insurance for various risks often fail to arise, e.g Cancer patients cannot get insurance.

Market failure in health care creates a role for the government. Markets tend to fail when the prices which have been determined other than through the interaction of supply and demand. This means that if prices are set are a certain point that is too high this means that supply will be high and that demand will be low.

The high price of premiums is related to;

[*]Moral Hazard.
[*]Adverse Selection.
[*]Asymmetric Information.
[*]Principal Agent Theory (SID).
[*]Externalities.

And that, in it's most basic form, is why we have private healthcare here in Ireland. And it's a shoddy, inefficient system that badly needs an overhaul.

talla10

BickNarry wrote: »

Right...here's the boring stuff-

In Ireland, the public health system has a symbiotic relationship with private health insurance not seen in other European countries. Everyone has entitlement to public hospital care from the state, but half the population now pay for private health insurance.

The insured avail of ‘‘private’’ health care, much of it delivered in public hospitals, and the resulting two-tier system. This is problematic from both an efficiency and an equity perspective.

Uncertainty plays a big factor in health care. It affects both the demand and the supply.

Demand; consumers are uncertain of their health status and need for health care in any coming period. This in turn means that demand is irregular from both the individual’s perspective and also the demand facing health care firms is irregular.

Supply; consumers often do not know the expected outcomes for various treatments without their physicians advice who in some cases cannot predict the outcomes of treatments with certainty. Because of uncertainty the role of insurance affects people’s choices over consumption. Markets for insurance for various risks often fail to arise, e.g Cancer patients cannot get insurance.

Market failure in health care creates a role for the government. Markets tend to fail when the prices which have been determined other than through the interaction of supply and demand. This means that if prices are set are a certain point that is too high this means that supply will be high and that demand will be low.


The high price of premiums is related to;

• Moral Hazard.
• Adverse Selection.
• Asymmetric Information.
• Principal Agent Theory (SID).
• Externalities.

And that, in it's most basic form, is why we have private healthcare here in Ireland. And it's a shoddy, inefficient system that badly needs an overhaul.

You're right that was boring :pac:

i am with vhi