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VHI load policies when you had a few claims?

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  • 01-12-2011 11:51pm
    #1
    sitstill
    Registered Users Posts: 1,380 ✭✭✭


    This was the first year that I have had to claim on my VHI. I had three surgeries and I also claimed for travel vaccines and for using the Swiftcare Clinic.

    When I renew, will they load my policy and charge me more and if so, is it generally much or will it just increase like it has done each year? Thanks


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    #2
    cookie1977
    Registered Users Posts: 6,794 ✭✭✭cookie1977


    No, there's no loading on health insurance in Ireland. It's community rated. So your plan may go up if there's a price rise but the price will be the same for everyone on that plan whether you claim or not.


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    #3
    sitstill
    Registered Users Posts: 1,380 ✭✭✭sitstill


    Well thank God for that!


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    #4
    P. Breathnach
    Registered Users Posts: 12,089 ✭✭✭✭P. Breathnach


    cookie1977 wrote: »
    No, there's no loading on health insurance in Ireland....

    It's a different story with life insurance. After one claim the loading is huge.


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    #5
    cookie1977
    Registered Users Posts: 6,794 ✭✭✭cookie1977


    It wont matter if the premium goes up and it's your life insurance though :P


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    #6
    amdublin
    Moderators, Category Moderators, Arts Moderators, Entertainment Moderators Posts: 20,648 CMod ✭✭✭✭amdublin


    P. Breathnach wrote: »
    It's a different story with life insurance. After one claim the loading is huge.

    :confused:

    When you're dead?


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    #7
    jimoc
    Registered Users Posts: 634 ✭✭✭jimoc


    The loading on Life Insurance isn't based on your number of claims its based on a huge number of risk factors.
    the major ones are of course, smoking, drinking, weight, family history of terminal diseases, your nedical history etc.

    However if you have something like Critical Illness cover as part of your life insurance policy then this WILL be weighted based on the number of critical illness claims you have made.


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