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14-02-2020, 11:43   #46
Rodin
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Waste of money for the young and healthy.
The economics don't add up.

Id have paid a 5figure sum this past 10 years and not used it once.

Need a consultant opinion quickly? Just pay for it. 1-2 monthly payments would have it covered
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14-02-2020, 15:21   #47
Squiggle
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you go to your private a&e in Blackrock for example - and are saved.
From Waterford? A public ambulance that you access through 999 will not bring you to a private hospital anywhere.

Blackrock clinic advises you to ring 999 if you need an immediate ambulance response.
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14-02-2020, 15:24   #48
Zebra3
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Put the money into a separate bank account.

I’d you ever need it, get a loan. If you never need it, you keep the money.
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14-02-2020, 15:26   #49
JohnnyFlash
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Put the money into a separate bank account.

I’d you ever need it, get a loan. If you never need it, you keep the money.
Moronic advice.
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14-02-2020, 17:09   #50
Esel
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Put the money into a separate bank account.

I’d you ever need it, get a loan. If you never need it, you keep the money.
Realistically, no-one is ever going to do that.
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14-02-2020, 20:18   #51
JustAThought
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Realistically, no-one is ever going to do that.
People often say that about vet insurance - a couple of hundred max a year - nobody guesses how much an animal xray or operation can be - they’re often the ones making tragic decisions based on economics when an accident happens.

IP e200 a month can be a lot but its your family - you’d be a it time regretting it. And as I discovered while you can go to Dublin and now walk into a private clinic and pay cash for an MRI someone has to tell them how far up or down to scan - you are charged per area and area extension, the radiographer will not read it for you in your hospital as it was not comissioned by your consultant, your consultant will not read it even if they can because its a specialists job not theirs and they are not paid to write that report or interpret scans, - it goes on and on - the Irish system and unions and meshed union agreements going back decades make sure it is kept as an highly tight intertwined system where you cannot get them to step outside their protocols and payment system to suit you - even when it looks glaringly simple and easy. Someone should have a look at it - but of course they never will.
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14-02-2020, 21:30   #52
murphyebass
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Op I read that as VHS

Hilarious
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14-02-2020, 21:57   #53
what2do
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A friend of mine was taking about getting rid of her health insurance and I randomly said.... you just worry that if you cancel it something will happen


.... she said this kept going thro her head, she didn’t cancel it and weeks later ended up having a knee surgery!

It’s one of those things that feels like a waste of money until you need it!
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15-02-2020, 18:20   #54
rn
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Hospital bills are astronomical. They are also unpredictable. A straightforward tiny, one day procedure will cost between 2k and 5k. Have complications and require a hospital stay budget 1k per day plus medicines, if going private. Hospitals don't vet peoples finances and rarely take payments upfront. Bottom line health insurance opens door to quality care. Public is Russian roulette.
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15-02-2020, 18:57   #55
Zebra3
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Moronic advice.
You'd be a fine recruit to a debating team.

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Realistically, no-one is ever going to do that.
What can you do?
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15-02-2020, 19:10   #56
Redneck Reject71
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To be honest the health care here is confusing to me.If your on the government medical care your thrown on a list that could be 18 months or more to be seen. But if your on private your seen much faster. It's the same specialist everyone sees so why is there such a gap whether your a paid or not? And to be honest, the hygiene in Limerick hospital is the same standard I saw in field hospitals on the battlefield.

In saying that, the healthcare in Mexico isn't up to standards either, but they do treat everyone as fast as they can and don't prioritize ones who have public or private insurance. Here you'll be dead by the time you see your scheduled specialist.
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19-02-2020, 12:32   #57
celticWario
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I'm having some joint issues and I'm worried there might be a tear which could require surgery, is it still possible to sign up for health insurance with the intention of using it immediately? I saw someone write about "probation" does that mean you have to be paying for a while before you can avail of any of the benefits?
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19-02-2020, 20:52   #58
rn
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All policies have buffers before you can claim. Also you will not be able to claim for pre existing conditions, no matter how long you wait. Also I believe we've age adjusted community rating. Rewarding people who join earlier in life, while costing more for those that join later.
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19-02-2020, 21:24   #59
shockwave
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All policies have buffers before you can claim. Also you will not be able to claim for pre existing conditions, no matter how long you wait. Also I believe we've age adjusted community rating. Rewarding people who join earlier in life, while costing more for those that join later.
You have to wait 5 years when you join before you can claim for a pre existing condition
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19-02-2020, 21:52   #60
One eyed Jack
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All policies have buffers before you can claim. Also you will not be able to claim for pre existing conditions, no matter how long you wait.

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You have to wait 5 years when you join before you can claim for a pre existing condition

This isn’t necessarily true in all cases either. Just putting it out there but I had a pre-existing condition when I joined my employers group scheme back 20 years ago, kept up the policy while I was self-employed, and then joined a different group scheme provided by my current employer. Had already had a hip operation done at 22, then a hip replacement last year. There was never any issue with any insurer that it was a pre-existing condition and no waiting times before I could claim. As it turned out, the total cost of hospital stay and operation was a lot less than I was expecting!
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