Your worst arguement?

foxyboxer

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tassajara

Tonto86 wrote: »

Not saying it wasn't serious.

What I mean is that your mother probably took out this insurance policy in case you were every struck down with a serious illness or needed to go into hospital she would want you to get the and best and quickest treatment.

I confused as to how she was making a profit.

If she was paying €300 a year insurance for you (which is very low) at 18 years would make a total expenditure of €5400. You claimed €600.

Im sure she renewed your policy, which would have increased due to your claim.

Just saying, if you got enough money to pay for a fancy foreign holiday you have enough money to buy your own health insurance. Or maybe just even maybe pay out of pocket when you need to make a claim as a way of saying thanks to your mam for the near two decades of free premium health care.

But then again, everyone to their own.

You clearly are missing the point of health insurance, and again, if my mother didn't want to pay for my health insurance, she didn't have to. Tell me how fair is it to expect your daughter who you bought health insurance for to deplete her savings for the next college year to pay an A&E bill?

Tonto86

tassajara wrote: »

You clearly are missing the point of health insurance, and again, if my mother didn't want to pay for my health insurance, she didn't have to. Tell me how fair is it to expect your daughter who you bought health insurance for to deplete her savings for the next college year to pay an A&E bill?

Yes, health insurance is to cover medical bill costs. Can you not see your mothers side of this?

You went of on a fancy foreign holiday, got into a spot of bother and landed you in A&E. You then used the insurance policy she had paid for to cover your medical expenses which would of caused the policy payment to rise. So in the long run your mother would have to pay the €600 anyway, possible in full in her next policy renewal.

I just think if your over 18, working and can afford a fancy foreign holiday ya should be paying for your own insurance or at least contributing towards it. Instead your claiming against this insurance, raising the policy price and then refusing to in anyway pay your part.

If I was your mother I'd tell you to look after your own insurance from now on.

tassajara

No, my mother did not have to pay extra towards my health insurance. Haven't you heard of health insurance risk equalisation? Regardless of medical history, long term illnesses, extreme sports, etc., health insurance from an insurer will cost the same for an adult or student regardless of these factors?

I can see it from my mother's perspective, definitely, I understand your (and her) argument but there still is the issue of if your family pays for your health insurance, it should be used to cover medical expenses if there are claims made on it.

And there's no need to start making it personal, I think a reward of a holiday for managing to take care of myself and not put any stress on my parents for nearly two years of college, paying my own way apart health insurance (which they insisted on paying for), and working my arse off in part-time jobs isn't a 'fancy holiday', it's well deserved.

Tonto86

tassajara wrote: »

No, my mother did not have to pay extra towards my health insurance. Haven't you heard of health insurance risk equalisation? Regardless of medical history, long term illnesses, extreme sports, etc., health insurance from an insurer will cost the same for an adult or student regardless of these factors?

I can see it from my mother's perspective, definitely, I understand your (and her) argument but there still is the issue of if your family pays for your health insurance, it should be used to cover medical expenses if there are claims made on it.

And there's no need to start making it personal, I think a reward of a holiday for managing to take care of myself and not put any stress on my parents for nearly two years of college, paying my own way apart health insurance (which they insisted on paying for), and working my arse off in part-time jobs isn't a 'fancy holiday', it's well deserved.

No one is making anything personal.

Yes risk equalisation exists but it has nothing to do with this. You made a claim, your policy renewal would increase due to this.

Just saying, the woman shelled out at least €5400 on your health insurance. When you make a claim you could at least try to reimburse her slightly, rather then claiming on her insurance and then demanded the rebate, leaving her with the increased bill.

tassajara

And yet, my health insurance didn't go up. I know the facts of my situation, the health insurance didn't go up. My health insurance has never gone up, even after I made a larger claim on it for my wisdom teeth extraction last year.

Tonto86

tassajara wrote: »

And yet, my health insurance didn't go up. I know the facts of my situation, the health insurance didn't go up. My health insurance has never gone up, even after I made a larger claim on it for my wisdom teeth extraction last year.

You health insurance has never gone up? Health insurance premiums last year alone rose by at least 10%.... health insurance premiums rise every year.... this makes me think you in fact do not know the facts of the situation.

Any by the by.... your insurance doesn't cost €300, if it did it would be the best priced insurance policy in the country. Try at least doubling that figure, not including and pre-existing conditions.

bluto63

Told her I didn't see the point of marriage. She did. Didn't end too well.

tassajara

Tonto86 wrote: »

You health insurance has never gone up? Health insurance premiums last year alone rose by at least 10%.... health insurance premiums rise every year.... this makes me think you in fact do not know the facts of the situation.

It increased the same amount as for anyone else on the same plan, any increases had nothing to do with the accident. Now you're just nitpicking, one might say trolling, in fact.

OP, are you talking to the missus again?

Tonto86

tassajara wrote: »

It increased the same amount as for anyone else on the same plan, any increases had nothing to do with the accident. Now you're just nitpicking, one might say trolling, in fact.

OP, are you talking to the missus again?

Not nit picking, or trolling. Just said my view.

Was my own personal opinion, i thought your mother was in her right to feel insulting if you looked for the rebate.

An insurance policy for 2 adults and 2 kids would at the cheapest be €2700 a year, its a lot of money to shell out in times that people are already feeling the pinch.

The woman could of easily not bother, let you, in the even of illness, sit on waiting lists and get a secondary treatment, but she didn't. She choose to do the best for you and splash out on expensive health care (any policy that covers dental work is expensive, trust me)

Cill Dara Abu

seanbmc wrote: »

Nothing worse than when I used to argue with my Mam a lot, I wouldn't speak to her for a day or two, but would still find my dinner on the table when I came home .

Oh yes this used to happen to me too, but under no circumstances should you eat that dinner, it's designed to send you on a guilt trip!

Corruptedmorals

I had a huge fight with one girl over the phone over a holiday where I was very sick and had to go to A&E. She was concerned but far more so about not missing out on the holiday. One of the others did not care, and the third was downright abusive. I lost all of these friends for daring to say I wasn't happy with how they treated me. Needless to say, better off without friends like these but it's definitely the worst argument and outcome I've ever had- I don't like fights. Especially if they might get physical- I'm not even 8 stone so I'd be fecked ha.

tassajara

Tonto86 wrote: »

Not nit picking, or trolling. Just said my view.

Was my own personal opinion, i thought your mother was in her right to feel insulting if you looked for the rebate.

An insurance policy for 2 adults and 2 kids would at the cheapest be €2700 a year, its a lot of money to shell out in times that people are already feeling the pinch.

The woman could of easily not bother, let you, in the even of illness, sit on waiting lists and get a secondary treatment, but she didn't. She choose to do the best for you and splash out on expensive health care (any policy that covers dental work is expensive, trust me)

Quinn Insurance- These are this year's prices with the same insurance plan and same setup as was on the plan at the time- €1800ish for two parents, one child and one student. Remove one student (me) from it, and it falls to €1500, remove the child and it falls to to €1400.

As for the dental work, it wasn't a plan with dental care, it was my own Quiin Essential Plus plan (which I paid for) which paid for wisdom teeth extraction as an out-patient. Get your figures straight. I'm not here to relive an old argument, I was sharing my story.

seanbmc

Cill Dara Abu wrote: »

Oh yes this used to happen to me too, but under no circumstances should you eat that dinner, it's designed to send you on a guilt trip!

I gave into temptation

4leto

racso1975 wrote: »

Had massive arguement last night with the missus. Now we really really tore strips of each other and are obviously still not talkin today. Best part of it is that it started off as the most stupid trivial thing! Any how she still wrong and i'm right.
So whats the worst arguements you guys have had? and are you always the person who gives in arguement

Just read that, but surely you know, the woman is always right.

That is all you have to know, seriously by telling you this I have made your life a lot easier.

Tonto86

tassajara wrote: »

Quinn Insurance- These are this year's prices with the same insurance plan and same setup as was on the plan at the time- €1800ish for two parents, one child and one student. Remove one student (me) from it, and it falls to €1500, remove the child and it falls to to €1400.

As for the dental work, it wasn't a plan with dental care, it was my own Quiin Essential Plus plan (which I paid for) which paid for wisdom teeth extraction as an out-patient. Get your figures straight. I'm not here to relive an old argument, I was sharing my story.

You could get insurance for €1800 from Quinn... it wont cover foreign travel and will have an excess of €450.... so it wouldn't cover your claim and if it did you would of only got a rebate of €250.

A policy to cover foreign travel with no excess would cost upwards of €2700.

As for the dental work..... you're saying you have your own personal Quinn Essential Plus plan?? (which, curiously, is a higher policy then they one you quoted as your mothers one)

Why has your mother insured you if you already have active insurance?? Quinn wont even sell two health insurance policies to the same person as only one will work!

I'm starting to think you're telling porkies

Scuid Mhór

Shpuds wrote: »

called his dog a b*tch too!

technically you were probably correct :cool:

Dionysus

St.Spodo wrote: »

I don't really do arguments.

I wish I could be that mature - or, rather, that enlightened. I met a girl out in a pub one night and we were chatting away for Ireland and I thought I was being very accommodating of her (admittedly largely silly) ideas. I was fiercely entertained by her musings upon the world, as she was about mine. Then I heard from her friend a few days later that she said "that fella would fight with his own shadow!". I was thinking the exact same about her!

I have the height of respect for people who just don't give a fúck about wasting their time arguing shíte with randomers and, moreover, find something positive to direct their energy and intelligence towards. But...but...but

the troglodyte in me still loves dissipating my energy on negative things like arguments. Sad and pathetic - I'm the first to admit it, and no better place to admit it than on an online discussion forum.

Fozzydog3

LH Pathe wrote: »

My worst argument is the one which hurts least physically but most emotionally. I need to get her back onside but she won't even respond. 'Special' type friend over 6 years from the outskirts of India and I am f*ckin depressed right now. suckaaa.. That's right, johnie bein taken for an emo ride what the f*ck to do.

get her 5 nappies a day

tassajara

Tonto86 wrote: »

You could get insurance for €1800 from Quinn... it wont cover foreign travel and will have an excess of €450.... so it wouldn't cover your claim and if it did you would of only got a rebate of €250.

A policy to cover foreign travel with no excess would cost upwards of €2700.

As for the dental work..... you're saying you have your own personal Quinn Essential Plus plan?? (which, curiously, is a higher policy then they one you quoted as your mothers one)

Why has your mother insured you if you already have active insurance?? Quinn wont even sell two health insurance policies to the same person as only one will work!

I'm starting to think you're telling porkies

Because I'm 23 now... and this happened when I was 18. And my apologies, I was on a higher plan, we only changed down to Essential when my younger sister started college. Once again, my parents offered to pay for this, I never asked them to pay for me.

Susie_Q

tassajara wrote: »

Because I'm 23 now... and this happened when I was 18. And my apologies, I was on a higher plan, we only changed down to Essential when my younger sister started college. Once again, my parents offered to pay for this, I never asked them to pay for me.

Nonetheless, you still belong in the stingy thread.

JohnnyTodd

Definitely Xmas day about 3 years ago was one to never forget. She was pissing me off and I called her a fat ****.

It Must have been new years before she spoke to me again

JustAThought

JohnnyTodd wrote: »

Definitely Xmas day about 3 years ago was one to never forget. She was pissing me off and I called her a fat ****.

It Must have been new years before she spoke to me again

Surprised she ever did!! Must have been theChristmas spirit!!
Mine was with those special people in the call centre in India; you know; the company that takes your money Month after month and neverprovides the service you're paying fir; and when you write 3 months in a row cancelling yourbroadband after your contract has expired they tell youthey just put letters in the bin... Those special special people. I'd swear something broke inside my head that day trying to deal with them.
Sometimes you just have to resort to insanity.

kraggy

PK2008 wrote: »

One thing worse...


...that horrible feeling when you realise that you are, in fact, wrong and the other person is absolutely right!!

I can only imagine.

Tonto86

tassajara wrote: »

Tonto86 wrote: »

You could get insurance for €1800 from Quinn... it wont cover foreign travel and will have an excess of €450.... so it wouldn't cover your claim and if it did you would of only got a rebate of €250.

A policy to cover foreign travel with no excess would cost upwards of €2700.

As for the dental work..... you're saying you have your own personal Quinn Essential Plus plan?? (which, curiously, is a higher policy then they one you quoted as your mothers one)

Why has your mother insured you if you already have active insurance?? Quinn wont even sell two health insurance policies to the same person as only one will work!

I'm starting to think you're telling porkies

Because I'm 23 now... and this happened when I was 18. And my apologies, I was on a higher plan, we only changed down to Essential when my younger sister started college. Once again, my parents offered to pay for this, I never asked them to pay for me.

So you agree? There's not a hope your insurance only cost 300 and your insurance did go up.

The fact that you "never asked them to pay" is irrelevant.... the woman was nice enough to. As I said before, I believe she was well within her right to act offended when you demanded the full rebate

tassajara

You obviously have a different perspective on it than mine, this is just what I felt was fair at the time. I'm not here to relive an argument, I was just sharing my perspective and story.

And where are you getting this information about premiums increasing after a claim? Because I have never seen that happen... Can you actually point to some health insurance policy stating this?

Tonto86

tassajara wrote: »

You obviously have a different perspective on it than mine, this is just what I felt was fair at the time. I'm not here to relive an argument, I was just sharing my perspective and story.

And where are you getting this information about premiums increasing after a claim? Because I have never seen that happen... Can you actually point to some health insurance policy stating this?

Every insurance policy that ever existed....

If you make a claim you up the risk for the insurer, they will access you as a higher risk on your renewal and up you policy accordingly

Health insurance companies also take into consideration something called "pre existing condition" If you had a spinal injury this would be considered a pre existing condition. They would note this, see you as a higher risk and up you policy accordingly

Honest to god, this is pretty basic information, if you took out your own insurance policy you would of went through this.

LeeHoffmann

The worst arguments were all ones about nothing important, where we became too entrenched in our arguments, our sense of righteousness and the habit of arguing. Strangely, I don't argue about important things in real life (only on the net) - my most heated arguments have been about - how important is Maths in life?, should a guy ask a girl before he cums on her face?, and who shouted first? (with my Dad, my cousin, and my OH respectively). Pathetic reasons for fighting

tassajara

There is no medical underwriting of health insurance in Ireland, and I don't know where you're getting the idea that my fracture is a pre-existing condition. It healed up, no complications and no health insurer has ever made an issue out of it, even after I mentioned it to them, because I don't require any treatment for it.

Trust me, I read my contract. Nothing mentioned in it about claims affecting the premium. I also just pulled up the T&Cs of VHI health insurance, and there's nothing there about claims affecting premiums.

Also from citizen's information:

"Community rating" means that the insurance company must charge the same rate for a given level of service, regardless of age, sex or health status. So all adults pay the same amount for the same benefits. Unlike motor insurance or life insurance, matters such as age, sex, sexual orientation, health or past record of claims do not affect the price charged for insurance.

http://www.citizensinformation.ie/en/health/health_insurance/private_health_insurance.html

Azureus

I feel like arguing about health insurance after reading this thread, despite having no real feelings on the subject. Although the mam was right to keep the money imo.

My worst argument was probably with my mam when I was a teenager. She thought those teenage girl magazines were making me cheeky, and threw my collection in the bin, admist some screaming, then felt bad about it and gave them back to me covered in goo...at which point I threw them back in cuz I realised they were pointless keeping anyway, but pretended it was because they were 'RUINED!! waaaah!!!' and caused war for three days. Oops.

Cant remember the last argument I had, generally dont argue with people just talk stuff out.