Hi all at AAM
I found this site recently and am delighted to have found so much useful info, thanks to all. This is my first post so please be patient…
Our health insurance is due for renewal on 1st August and I'm looking for some advice as to the best options for us. Our situation is as follows..
Up until our renewal (august 1st) last year, our health insurance policy was VHI PMI 19 11 paid for in full by my husbands employer…Last year our situation changed as my OH changed jobs so we are currently paying for the insurance ourselves..hence we are now looking at all options..
Our current plans are:
Myself…...Aged 37….PMI 19 11….Renewal Cost €1150.83 (net of TRS)
OH………..Aged 39…..PMI 19 11….Renewal Cost €1150.83
Child 1…Aged 5(almost 6) PMI 19 11 Renewal Cost €343.11
Child 2..Aged 4 One Plan Family Renewal Cost €145.04
Child 3..Age 11 months Company plan extra Level 2… Renewal Cost €427.35
Total Renewal Cost €3217.16 (€268.09 per month)
The baby was free with VHI until renewal, hence i opted for a very comprehensive policy for him. Child 1 will turn 6 in August and will lose his free GP visit card. He has approx 2 consultant visits per year as he has had grommets inserted a few times so he may require more cover than the other children but I'm unsure if its worth paying a premium for day-day cover for him. His surgeries have been done privately and he may require one more day case surgery in the coming year.
Luckily we are a fairly healthy bunch, long may it last. There are the usual couple of physio visits, dental visits etc each year. The younger children are still eligible for free GP visits (I downgraded child 2's cover on renewal last year to reflect this…)
We have no loyalty to any particular insurer and I've trawled through the seemingly millions of plans available with the help of the HIA webiste too and have come out even more muddled…hence my post here, I'd really appreciate some help on how to save some €€€'s this year.
If any further info is required please ask….
Many thanks in advance
I found this site recently and am delighted to have found so much useful info, thanks to all. This is my first post so please be patient…
Our health insurance is due for renewal on 1st August and I'm looking for some advice as to the best options for us. Our situation is as follows..
Up until our renewal (august 1st) last year, our health insurance policy was VHI PMI 19 11 paid for in full by my husbands employer…Last year our situation changed as my OH changed jobs so we are currently paying for the insurance ourselves..hence we are now looking at all options..
Our current plans are:
Myself…...Aged 37….PMI 19 11….Renewal Cost €1150.83 (net of TRS)
OH………..Aged 39…..PMI 19 11….Renewal Cost €1150.83
Child 1…Aged 5(almost 6) PMI 19 11 Renewal Cost €343.11
Child 2..Aged 4 One Plan Family Renewal Cost €145.04
Child 3..Age 11 months Company plan extra Level 2… Renewal Cost €427.35
Total Renewal Cost €3217.16 (€268.09 per month)
The baby was free with VHI until renewal, hence i opted for a very comprehensive policy for him. Child 1 will turn 6 in August and will lose his free GP visit card. He has approx 2 consultant visits per year as he has had grommets inserted a few times so he may require more cover than the other children but I'm unsure if its worth paying a premium for day-day cover for him. His surgeries have been done privately and he may require one more day case surgery in the coming year.
Luckily we are a fairly healthy bunch, long may it last. There are the usual couple of physio visits, dental visits etc each year. The younger children are still eligible for free GP visits (I downgraded child 2's cover on renewal last year to reflect this…)
We have no loyalty to any particular insurer and I've trawled through the seemingly millions of plans available with the help of the HIA webiste too and have come out even more muddled…hence my post here, I'd really appreciate some help on how to save some €€€'s this year.
If any further info is required please ask….
Many thanks in advance
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