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2 health insurance policies ?

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  • 10-01-2019 8:03am
    #1
    foodaholic
    Registered Users Posts: 1,513 ✭✭✭


    I have health insurance for my family and I which I pay for. Its a closed group scheme, its expensive but has good benefits but doesnt cover everything eg chiropractor services.
    My OHs job will now pay for health insurance
    I dont want to give up my policy
    My question is can we have two policies at the same time and choose which company we use to claim from ?
    I am aware my husband will have to pay BIK


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    #2
    quartz1
    Registered Users Posts: 382 ✭✭quartz1


    Good question and for similar reasons I too would love t know the answer.


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    #3
    colm_c
    Registered Users Posts: 2,030 ✭✭✭colm_c


    I'm sure you can have two policies, but probably doesn't make sense, since you can only claim from one.

    Usually you can pay the difference to upgrade a policy, so you could pay the difference on your OH's policy and get the same level (or higher) than your closed group policy.

    That way it should work out a little cheaper.

    Alternatively, you can just tell your OH's work to not put them on their policy and then they won't have to pay bik.


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    #4
    Diziet
    Registered Users Posts: 831 ✭✭✭Diziet


    I have been on these 'closed group' schemes without being in the group, just by asking :-).

    Health insurance through work is a great benefit. You can generally pay a bit extra and upgrade to the cover you need, and it is still cheaper than paying for the whole thing. The BIK is a red herring - yes, you pay tax, but it is still a benefit and works out far cheaper than buying the insurance yourself.


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