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Health Insurance Question

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  • 13-08-2013 5:01pm
    #1
    Son
    Registered Users Posts: 289 ✭✭


    So about a year ago I was covered with health insurance under a family policy but when that ended I never took anything out for myself,so have no health insurance,never thought about it until now as I have had to make a doctors appointment privately and I may have to have an operation after this costing in the region of 600 - 2000 Euro.

    If I take out a policy now will it cover me immedately?


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    #2
    Heisenberg1
    Closed Accounts Posts: 2,511 ✭✭✭Heisenberg1


    Son wrote: »
    So about a year ago I was covered with health insurance under a family policy but when that ended I never took anything out for myself,so have no health insurance,never thought about it until now as I have had to make a doctors appointment privately and I may have to have an operation after this costing in the region of 600 - 2000 Euro.

    If I take out a policy now will it cover me immedately?

    That would be classed as preexisting and they would not cover this for 5 years.

    Check this website out for more info. http://www.hia.ie/


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    #3
    Son
    Registered Users Posts: 289 ✭✭Son


    Ok no bother thanks,will just have to dig into the pockets


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    #4
    RangeR
    Registered Users Posts: 7,265 ✭✭✭RangeR


    I believe, and may be wrong, you have 6 months between when a policy ends to the next policy starts, before they start enforcing pre-existings. At least that's what VHI told me when I was leaving them for another insurer.


    Maybe it was 6 weeks. Ring them and ask. It will only cost you a phone call.


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    #5
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    On the plus side, average cover is approaching €1k a year now, so that should be taken in to account on what your op will cost you


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    #6
    LostArt
    Registered Users Posts: 1,808 ✭✭✭LostArt


    RangeR wrote: »
    I believe, and may be wrong, you have 6 months between when a policy ends to the next policy starts, before they start enforcing pre-existings. At least that's what VHI told me when I was leaving them for another insurer.


    Maybe it was 6 weeks. Ring them and ask. It will only cost you a phone call.

    Unfortunately, you are incorrect. It's 13 weeks, any longer and you are subject to the new customer waiting periods again so a 5 year wait for pre existing conditions.

    Op has two options, public system or pay himself.


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    #7
    RangeR
    Registered Users Posts: 7,265 ✭✭✭RangeR


    LostArt wrote: »
    Unfortunately, you are incorrect. It's 13 weeks, any longer and you are subject to the new customer waiting periods again so a 5 year wait for pre existing conditions.

    Op has two options, public system or pay himself.

    Fair enough,. However OP never said how long ago his lapsed. Might still be in luck.


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    #8
    Son
    Registered Users Posts: 289 ✭✭Son


    Just to clear up it has lapsed probably over a year! Thanks anyway!


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