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Healthcare.

  • 02-12-2011 12:34pm
    #1
    LegacyUser
    Registered Users, Registered Users 2 Posts: 166,012 ✭✭✭✭


    Not sure where to be posting this TBH, but I was working a low paid job until recently, it was so low I was able to keep my medical card which was great. Recently I've been promoted and will hand back the medical card, previously we had health insurance for the whole family for about 5 years but I couldn't keep the payment up, but now my employer will cover us and I'm wondering will I be able to make a claim.

    My eldest son who is 9 will need to have an operation soon (essential but not life threatening etc) but I still don't earn enough to cover it myself on private he really needs the op.

    I don't mind having to make payments towards it but has anyone ever been in this situation before, I can't borrow the money from the bank either, that goes without saying. !


Comments

  • #2
    Nuna
    Registered Users, Registered Users 2 Posts: 13 ✭Nuna


    Normally in relation to health insurance none of the companies will cover a semi-private admission to hospital for a pre-existing condition until your son has been on the new policy for a min of 5 years (unless the break was less than 13 weeks). They will then start covering the claims.

    However as your employer is paying for this, if they are a large enough company, they may be able to get an agreement from the Health insurance company to cover the fees, this is not a guarantee though! But I suppose there is no harm in asking.

    The other option would be to go to hospital and be treated as a public patient, the Health insurance company may pay the fees for this but that would be up to the company.

    If you go to www.hia.ie it has a lot of information there as well.

    By the way congrats on the promotion.


  • #3
    John Mason
    Hosted Moderators Posts: 10,661 ✭✭✭✭John Mason


    you cannot claim for a pre-exist condition for 2 years after joining a scheme.


  • #4
    Nuna
    Registered Users, Registered Users 2 Posts: 13 ✭Nuna


    It's 5 years for pre-existing, which is what his son has. If you take out a policy today and then develop symptoms of an illness then it is two years.


  • #5
    LegacyUser
    Registered Users, Registered Users 2 Posts: 166,012 ✭✭✭✭LegacyUser


    Thanks, should I mention that he has been operated on before for the same thing, while we were under cover but needs additional work.


  • #6
    tea_drinker
    Closed Accounts Posts: 13 ✭tea_drinker


    irishbird wrote: »
    you cannot claim for a pre-exist condition for 2 years after joining a scheme.

    i have a condition which i contacted three months prior to my joining up with quinn insurance , four years later and they still wont pay for anything relating to it


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