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VHI Waiting Periods

  • 10-09-2017 3:44pm
    #1
    jammydodger329
    Registered Users, Registered Users 2 Posts: 3 ✭


    I signed up last week to a corporate plan my company pays for (PMI 25 11). I am under 50 so the plan states waiting periods are: Pre-existing conditions: 5 years; Out-Patient expenses: none.

    I'm interested in getting my varicose veins done. This would cost 3000 Euro on an outpatient basis in a private hospital. I would only get this done if it was covered by VHI.

    My varicose veins are certainly a pre-existing condition but because it's an out-patient procedure does this mean there is no waiting period?


Comments

  • #2
    jammydodger329
    Registered Users, Registered Users 2 Posts: 3 ✭jammydodger329


    bump


  • #3
    Quackster
    Moderators, Regional South Moderators Posts: 5,897 Mod ✭✭✭✭Quackster


    That would be a day-case procedure rather than outpatient and the 5-year waiting period would apply.


  • #4
    jammydodger329
    Registered Users, Registered Users 2 Posts: 3 ✭jammydodger329


    Quackster wrote: »
    That would be a day-case procedure rather than outpatient and the 5-year waiting period would apply.

    Great :(

    So how long should I wait before this becomes a "new condition"?


  • #5
    LostArt
    Registered Users, Registered Users 2 Posts: 1,823 ✭✭✭LostArt


    jammydodger329 wrote: »
    Great :(

    So how long should I wait before this becomes a "new condition"?

    5 years!


  • #6
    Tenigate
    Closed Accounts Posts: 849 ✭✭✭Tenigate


    If you're paying the higher rate of tax, why not cancel your health insurance to save on BIK and spend the money you save on cheaper treatment abroad?


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  • #7
    coylemj
    Registered Users, Registered Users 2 Posts: 25,622 ✭✭✭✭coylemj


    Tenigate wrote: »
    If you're paying the higher rate of tax, why not cancel your health insurance to save on BIK ...

    Being taxed on a benefit means that you pay a max. of 40% of the cost borne by your employer through extra taxation but it still means that you are getting the service at a 60% discount.
    Tenigate wrote: »
    ... and spend the money you save on cheaper treatment abroad?

    You can't be serious. If anything goes wrong your travel insurance will not cover you because medical tourism is listed in the exclusions on virtually every travel policy.

    How much treatment do you think you could buy in a foreign country from 40% of the premium on a medical insurance policy, especially when you factor in travel costs?


  • #8
    Tenigate
    Closed Accounts Posts: 849 ✭✭✭Tenigate


    Op's policy costs eur1500. Isn't bic calculated at 52%? Well, either way it's €600 or 750 of a saving which is the cost of treatment in Poland. EHIC card covers emergency treatment. Hey, it's an option and worth considering.


  • #9
    Fanny Wank
    Registered Users, Registered Users 2 Posts: 1,288 ✭✭✭Fanny Wank


    Make sure you claim 20% relief on the BIK element


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