Best Health insurance at X Price for Y type of person - comparison tool?

Tar.Aldarion

Is there any compare site that does a good job at comparing health insurance based on circumstance. €1650 to spend on any health insurance for the year and am a young male with no dependents. Any site that can compare with those criteria, obviously I wouldn't need pregnancy cover and things like that.

Problem is there are just so many plans to wade through otherwise.

Charles Babbage

Tar.Aldarion wrote: »

Is there any compare site that does a good job at comparing health insurance based on circumstance. €1650 to spend on any health insurance for the year and am a young male with no dependents. Any site that can compare with those criteria, obviously I wouldn't need pregnancy cover and things like that.

Problem is there are just so many plans to wade through otherwise.

Best use of public money in Ireland www.hia.ie

All.policies have pregnancy cover, i. e. Gender neutral.

orthsquel

HIA.ie is the only decent comparison tool and full of information to consider in deciding on what plan you want.

Maternity is a minimum benefit required by law, however it is probably best to ensure that the plan you get has basic cover for it.

What are you looking for in cover? You've a large budget but if you review plans by need and what you want from your cover, you'll probably get a decent plan for less than that.

Some things to consider: What hospitals do you want covered? Public only, or private hospitals and high tech hospitals ? What hospitals are around you locally that you may have visited in the past (or family have been referred to)? If you don't have any hospitals locally, where is the next nearest to you?
What's important to you to have cover for? If private and high tech cover, which high tech hospitals do you want and what other hospitals are important to you?
Do you want full cover so you don't pay anything when you go to hospitals, or would you want to have an excess on your inpatient benefits per admission? What is the limit on an excess that you are able to afford to pay?
Do you attend GPs, Dentists, Physiotherapists, or any alternative practitioners regularly and would you consider having this covered on a plan or not? always check the outpatient excess and day to day excess as this will determine what you will get back for an outpatient claim.
Are there any extras that come free with the plan e.g. a sports package, health and lifestyle benefits, travel insurance, online doctor? What member benefits can you get that you would actually use?

If you think a plan might suit, but it only covers selected hospitals, always make sure to review either the member handbook pdf on an insurers website or their hospital directory and make sure you're covering the hospitals you want and need.

Tar.Aldarion

Thanks, the budget is from my employer so using less doesn't matter to me, even though BIK is higher. Is there any reason in particular to want cover in private/high tech hospitals? I'm in Dublin centre and the hospitals have done a good job before.

I know I'd like some cover on GPs/consultants and a low excess in general, for instance my current plan has free first visit then half price subsequent ones. GP/dentist/sports/travel would be useful since I am healthy and these every day things are actually what I am most likely to use. I guess it comes down to just reading them all and making a decision and there is not much better way to do it.

orthsquel

Consultants may work in public and private hospitals, so if you had a medical problem and go to GP you can be referred for e.g.a day case/side room procedure in e.g. Sports Surgery Clinic or the Bons instead of e.g. Beaumont hospital. It's access. If you choose public hospital cover only you will be restricted to inpatient treatment (incl day case/side room) for public hospitals only and to see a consultant only there. If you have public hospital cover only, and you are treated in a private hospital then you will have to foot the cost of that yourself.

It would be different if you were an outpatient (just going for an appointment to a consultant for a check up) as that can be claimed under consultant fees usually in outpatient and sometimes also in day to day benefits.

If GP/Sports/physio and things like that would be important then do consider plans with those included, with an excess of €1 or none (so it is easier to get money back) with good cover for that where you can get lots of visits back rather than just a few, so a plan with hospital cover and day to day cover could probably suit your needs.

If your employer is paying for it, no harm in asking around colleagues with similar interests what plans they looked in/have as a starting point.

Henry Ford III

Ask an expert?

https://www.totalhealthcover.ie/fee-based_consultation_with_dermot_goode___total_health_cover

Brego888

There was a forum I used previously (not boards obviously) that had threads about money issues specifically health insurance discussions but I can't for the life of me remember the name of it.
Anyone have an idea what I'm on about?

savemejebus

Brego888 wrote: »

There was a forum I used previously (not boards obviously) that had threads about money issues specifically health insurance discussions but I can't for the life of me remember the name of it.
Anyone have an idea what I'm on about?

I’d imagine it’s this one. Always great advice from a poster named snowyB there

https://www.askaboutmoney.com/forums/health-insurance-and-healthcare-costs.100/

Brego888

savemejebus wrote: »

I’d imagine it’s this one. Always great advice from a poster named snowyB there

https://www.askaboutmoney.com/forums/health-insurance-and-healthcare-costs.100/

That is exactly what I was thinking about. Cheers!

Tar.Aldarion

Whoa that lad knows his stuff.

savemejebus

I found Laya Control 300 create to be a good all round policy and if your work is paying you could do worse than looking into the more expensive versions of it . The 300 in the name represents €300 excess, the 150 version is more expensive and as you would imagine has a €150 excess. Good GP and specialist/consultant coverage on those plans.

Quackster

Tar.Aldarion wrote: »

Is there any compare site that does a good job at comparing health insurance based on circumstance. €1650 to spend on any health insurance for the year and am a young male with no dependents. Any site that can compare with those criteria, obviously I wouldn't need pregnancy cover and things like that.

Problem is there are just so many plans to wade through otherwise.

If it's your emloyer paying and therefore you've no issue maxing out that €1650 budget, Laya's Complete Simplicity @ €1,564.42 would give you the best possible cover you can get.