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Warning of 15% increase in cost of health insurance. What cover, if any, have you got

  • 14-11-2013 12:51AM
    #1
    IvaBigWun
    Banned (with Prison Access) Posts: 5,368 ✭✭✭IvaBigWun



    Minister for Health James Reilly has called on insurers to absorb the cost of stamp duty increases and not add them to the health cover premiums of younger people.

    Yesterday Dr Reilly announced a number of rule changes announced which, coupled with budget reductions in tax relief on premiums, are expected to see premiums increase by approximately 15 per cent.

    An average family with two children will pay an extra €328 in premiums next year as a result of yesterday’s change and the budget cuts in tax relief, insurer GloHealth estimated.

    Minister for Finance Michael Noonan: “I am advised by the Revenue Commissioners that based on 2012 data, the most up-to-date data available, it is estimated that up to 577,000 policyholders, which provide cover for 1.1 million individuals, may be affected by this measure.”Noonan says 1.1 million hit by reduction in tax relief on health insurance premiums"

    Tánaiste Eamon Gilmore: “I recognise there are continuing challenges and problems in the health services.”
    <snip>

    http://www.irishtimes.com/news/health/reilly-calls-on-health-insurers-to-absorb-increases-1.1593358

    Can people really take any more increases like this?

    What cover, if any, have you got?

    Poll to follow

    What healthcare cover, if any, have you got? 439 votes

    VHI
    0% 0 votes
    Laya
    24% 109 votes
    Aviva
    13% 61 votes
    GloHealth
    11% 49 votes
    Medical Card
    3% 15 votes
    None
    6% 30 votes
    Other (please specify)
    39% 175 votes


«13456

Comments

  • #2
    5p9arw38djv2b4
    Closed Accounts Posts: 242 ✭✭5p9arw38djv2b4


    VHI international policy, it's bloody expensive and last year I ended up in hospital and they informed me my accident type was no longer covered (it used to be but had been removed from policy) luckily good NHS cover here!

    However I will probably keep paying it even with increase cause if I need any kind of serious operation the cost of paying for a few days as an inpatient are so expensive if I was treated in Ireland. Apparently if you cancel your policy you need to have 2 or 3 years built back up before you can claim for certain cancer treatments etc. Hospital

    What makes me most cross is the health policies available to older people, I looked at my parents policy last year, it's ridiculous that my mother in her 70's has a policy that covers (and just charges for) maternity cover - but I tried a few policies and could not fine one that didn't include it.


  • #3
    emo72
    Registered Users, Registered Users 2 Posts: 6,540 ✭✭✭emo72


    had health insurance for 10 years. cancelled it this year. it just got too expensive. we all go public now. this is crazyness of the highest order. the lunatics are running the asylum.


  • #4
    hfallada
    Closed Accounts Posts: 4,179 ✭✭✭hfallada


    Health insurance is expensive but essential. My mother gets back pain and would have to want 6 months going public. But if she calls up the surgeon on Monday, she can be on surgery on a Friday. People talk about other countries health system being amazing, but you pay for them with a **** load of taxes(take Germany)

    Irish people want a world class health system for nothing.


  • #5
    IvaBigWun
    Banned (with Prison Access) Posts: 5,368 ✭✭✭IvaBigWun


    hfallada wrote: »
    People talk about other countries health system being amazing, but you pay for them with a **** load of taxes(take Germany)

    So we get an over busy public system despite paying a sh!t load of taxes?


  • #6
    The Backwards Man
    Closed Accounts Posts: 18,299 ✭✭✭✭The Backwards Man


    VHI's basic plan. Never been sick a day in my life, touch wood.


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  • #7
    SV
    Closed Accounts Posts: 9,533 ✭✭✭SV


    Absolutely none, it's a waste of money unless you're at a risk of bad health.


  • #8
    Filibuster
    Closed Accounts Posts: 361 ✭✭Filibuster


    SV wrote: »
    Absolutely none, it's a waste of money unless you're at a risk of bad health.

    Live and learn...


  • #9
    TheBoffin
    Registered Users, Registered Users 2 Posts: 434 ✭✭TheBoffin


    Only reason I have healthcare is because I get it free as part of my Job, I just pick up the BIK tax on it.

    I thought FG policy was to private healthcare and eventually have no public system, instead to provide health insurance for those that cant afford it via the welfare system.

    This is surely an ar*e about face way of doing it??


  • #10
    [Deleted User]
    Posts: 25,909 ✭✭✭✭ [Deleted User]


    hfallada wrote: »
    Irish people want a world class health system for nothing.

    Usual rubbish. The HSE costs as much per capita as the NHS. I'm sure anyone who's had to wait over 3 years (and still counting) for an appointment for a debilitating and deteriorating condition would take the NHS over what we have here right now.


  • #11
    5p9arw38djv2b4
    Closed Accounts Posts: 242 ✭✭5p9arw38djv2b4


    Deleted User wrote: »
    Usual rubbish. The HSE costs as much per capita as the NHS. I'm sure anyone who's had to wait over 3 years (and still counting) for an appointment for a debilitating and deteriorating condition would take the NHS over what we have here right now.

    People in UK go crazy about the NHS being an appalling service and a huge waste of money so the grass is always greener. (though my person experience inpatient, outpatient and with doctor has been excellent with NHS - mostly I think the capped ores rates £7.20 per prescription is fantastic, and free birth control).


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  • #12
    General General
    Registered Users, Registered Users 2 Posts: 1,900 ✭✭✭General General


    VHI something or other, changed from plan b... never really needed it. I hope it stays that way.

    Say what you like about the UK, that NHS is a great thing, even if not without flaws. It looks like the Tories will finish it off in the next 10 years or so, shame...


  • #13
    [Deleted User]
    Posts: 25,909 ✭✭✭✭ [Deleted User]


    LadyLabyrinth wrote: »
    People in UK go crazy about the NHS being an appalling service and a huge waste of money so the grass is always greener. (though my person experience inpatient, outpatient and with doctor has been excellent with NHS - mostly I think the capped ores rates £7.20 per prescription is fantastic, and free birth control).

    Their perception is pretty much irrelevant.


  • #14
    General General
    Registered Users, Registered Users 2 Posts: 1,900 ✭✭✭General General


    Filibuster wrote: »
    Live and learn...

    Lesson being that if they find out that you had the condition before you joined, even if it hadn't been diagnosed... well, tough sh!t.

    Some people seem to think that they will somehow know how to get on board 'just' before they need it.


  • #15
    SV
    Closed Accounts Posts: 9,533 ✭✭✭SV


    Filibuster wrote: »
    Live and learn...

    I can't possibly see a situation that I would require health insurance for is all.
    I mean, what is there?


  • #16
    General General
    Registered Users, Registered Users 2 Posts: 1,900 ✭✭✭General General


    SV wrote: »
    I can't possibly see a situation that I would require health insurance for is all.
    I mean, what is there?

    Consult any textbook on pathophysiology, for examples.


  • #17
    5p9arw38djv2b4
    Closed Accounts Posts: 242 ✭✭5p9arw38djv2b4


    Was chatting health insurance to a german girl at work today and she said it's mandatory for everyone. You either pay in a government health care scheme or if you really afford it you go private - but that the public scheme can be better. Thought it quite interesting that health insurance be mandatory like car insurance, I never realised any countries did that.


  • #18
    General General
    Registered Users, Registered Users 2 Posts: 1,900 ✭✭✭General General


    LadyLabyrinth wrote: »
    Was chatting health insurance to a german girl at work today and she said it's mandatory for everyone. You either pay in a government health care scheme or if you really afford it you go private - but that the public scheme can be better. Thought it quite interesting that health insurance be mandatory like car insurance, I never realised any countries did that.

    Swiss do that too, iirc.

    Finns have a fabulous health service, free, except you have to pay massive taxes.. & learn how to speak Finnish.


  • #19
    Fred Swanson
    Closed Accounts Posts: 21,723 ✭✭✭✭Fred Swanson


    This post has been deleted.


  • #20
    [Deleted User]
    Posts: 25,909 ✭✭✭✭ [Deleted User]


    Fred Swanson wrote: »
    This post has been deleted.

    What the yanks are attempting is quite a bit different :P


  • #21
    IvaBigWun
    Banned (with Prison Access) Posts: 5,368 ✭✭✭IvaBigWun


    Deleted User wrote: »
    What the yanks are attempting is quite a bit different :P

    "ObamaCare" is a term used alot in the media. Could anyone sum it up in 10 words or less?


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  • #22
    Fred Swanson
    Closed Accounts Posts: 21,723 ✭✭✭✭Fred Swanson


    This post has been deleted.


  • #23
    Cookie_Monster
    Registered Users, Registered Users 2, Paid Member Posts: 24,755 ✭✭✭✭Cookie_Monster


    IvaBigWun wrote: »
    "ObamaCare" is a term used alot in the media. Could anyone sum it up in 10 words or less?

    More tax to be paid, only by another name


  • #24
    [Deleted User]
    Posts: 25,909 ✭✭✭✭ [Deleted User]


    Cookie_Monster wrote: »
    More tax to be paid, only by another name

    Can't really call it tax when it's going straight to insurance (free from anti-trust laws) and pharma companies (free from trade laws).


  • #25
    Lenin Skynard
    Closed Accounts Posts: 2,970 ✭✭✭Lenin Skynard


    I was diagnosed with a life-threatening illness six years ago. I was a student at the time and just finished my degree. I was given a medical card and put into the public system. Absolutely perfect, first class treatment and the follow up treatment is still perfect to this day.


  • #26
    Seaneh
    Banned (with Prison Access) Posts: 18,300 ✭✭✭✭Seaneh


    IvaBigWun wrote: »
    "ObamaCare" is a term used alot in the media. Could anyone sum it up in 10 words or less?

    Makes health insurance compulsory but at the same time stops health care providers from discriminating against previously existing conditions.

    Makes healthcare more affordable and more accessible to the vast majority of American citizens.

    And has the added benefit of annoying the gobsh*te Libertards.


  • #27
    Seaneh
    Banned (with Prison Access) Posts: 18,300 ✭✭✭✭Seaneh


    Lenin Skynard wrote: »
    I was diagnosed with a life-threatening illness six years ago. I was a student at the time and just finished my degree. I was given a medical card and put into the public system. Absolutely perfect, first class treatment and the follow up treatment is still perfect to this day.

    Just over 4 years ago I had a life threatening illness. Required several weeks of inpatient treatment in a neurology ward as well as treatment from the hospital's ENT department and investigative care from several other departments, MRI scans several times per week as well as 2 surgeries which lasted, between them, over 35 hours.

    My medical card application was fast tracked, as was my illness benefit application. I received, what I consider, world class treatment from Prof. Niall Tubridy of the Neurology dept, Mr. John Russell of the ENT dept and their respective teams in St. Vincent's University Hospital.
    I spent over a month as an in patient there, mostly confined to one small ward (for health reasons) and in all my time there I never one felt like I wasn't being looked after or cared for.

    I left St. Vincent's and spent the next year and a bit in after care with Occupational Therapists, Audiologists, Physical Therapists, Neurologist and ENT out patients clinics, again I received world class care.

    I am 29 now and owe the fact that I am alive and well to the care that I received from Prof. Tubridy, Mr. Russell and everyone else who cared for me in St. Vincent's 4 years ago.

    I still receive amazing out patient care, I still have 2-3 MRI's per year, 2-3 neurology clinic appointments per year and an ENT clinic appointment ever 4-6 months, depending on the need as well as being fitted with a hearing aid and my well being is continually monitored by two independent teams from the same hospital.

    The Irish medical system has failings, to say otherwise would be stupid.

    But people like myself and the person I quoted are proof that it also has some massive positives as well.


  • #28
    Galwayguy35
    Registered Users, Registered Users 2 Posts: 18,184 ✭✭✭✭Galwayguy35


    Healthy as a bull thank God so no health insurance for me, couldn't afford it anyway.

    Pay €112 a month Lifetime cover as part of the mortgage so that will have to do if I have to stay in the sick house.


  • #29
    ruthloss
    Closed Accounts Posts: 637 ✭✭✭ruthloss


    LadyLabyrinth wrote: »
    Was chatting health insurance to a german girl at work today and she said it's mandatory for everyone. You either pay in a government health care scheme or if you really afford it you go private - but that the public scheme can be better. Thought it quite interesting that health insurance be mandatory like car insurance, I never realised any countries did that.


    I pay both here, I don't get the option of opting out of the National Health even though I never use it.


  • #30
    No Pants
    Closed Accounts Posts: 3,346 ✭✭✭No Pants


    My missus has me insured through her work plan. I don't know how much it costs, but she won't take me off it.


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  • #31
    jester77
    Registered Users, Registered Users 2 Posts: 11,264 ✭✭✭✭jester77


    I'm in Germany and have private health insurance. Works out a lot cheaper for me then public. I've one of the cheapest and most basic plan going, costs around €500 a month and I pay the first €800 of medical costs per annum before I can claim. Suits me as the only medical costs I have are either dentist checkups or vaccinations.


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