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12 Months waiting for Surgery

  • 19-03-2015 6:48pm
    #1
    VideoSuperMan
    Registered Users, Registered Users 2 Posts: 7 ✭


    Hi,

    I would appreciate some advice here.
    I'm currently in month 12 of waiting for an operation to be performed, I had the initial consultation in March of 2014 and would really like if I got it ASAP now.

    My circumstances have changed slightly.

    I'm now a Laya member so I'm I still covered? (was a holder of a Medical Card in 2014)

    I hear ntpf been mentioned, would they still be able to help?

    I'm also in a position in paying for the op myself, is that a possibility in speeding up the waiting time and what is the process involved with that?

    Any help on this would be great.
    Tagged:


Comments

  • #2
    Vorsprung
    Registered Users, Registered Users 2 Posts: 2,816 ✭✭✭Vorsprung


    Best thing to do is ring the secretary of the consultant you saw, let them know of your changed circumstances/willingness to pay. Having insurance doesn't stop you accessing a procedure using the public route.

    Many insurance policies will have a clause that precludes cover where the condition pre-existed your taking out the policy. You'd need to read your policy to clarify this.


  • #3
    L1011
    Registered Users, Registered Users 2 Posts: 71,113 ✭✭✭✭L1011


    As well as pre-existing exclusions most insurers have a waiting period for non-emergency cover as well. Unless you previously had insurance these waiting periods can be extensive depending on age - its one of the few things they've always been allowed discriminate on age for.


  • #4
    percy212
    Registered Users, Registered Users 2 Posts: 1,077 ✭✭✭percy212


    Be very careful with Laya. Get EVERYTHING in writing. They don't like paying for ANYTHING. Laya are a despicable company who look for any reason not to pay AFTER the fact. Based on my own experience with them I would go the public route.

    Write a letter to the consultant saying you need the operation soon. Get your doctor to write the hospital a letter. And talk to your local TD. Just get noticed. It works.


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